请教一个long term capital gain 的问题,税率到底是怎么决定的

本帖于 2025-07-04 07:18:22 时间, 由普通用户 老夏新生 编辑

LT capital gain tax rate is 0%, 15% and 20% for single filer with income between 0-48K, 48K-533K, and > 533K, respectively. 

问题: 只有10K 的收入, 但有200K的LTCG, 怎么交税呢?一些网站似乎是说这种情况下200K都是不用交税的, 而谷狗AI说一部分不交税一部分按15%交税。请有经验的说一下到底是怎么样的情况, 多谢。对于普通中产,除了努力赚钱增加收入,尽可能避税也很重要啊。

这是谷歌的回答:

For a single filer in 2025 with $10,000 in ordinary income and a $200,000 long-term capital gain, the long-term capital gains tax rate would be a combination of 0% and 15%. 
Here's how it breaks down:
  • Determine total taxable income: Your total taxable income is $10,000 (ordinary income) + $200,000 (long-term capital gain) = $210,000.
  • 0% Rate: For single filers in 2025, the 0% long-term capital gains tax rate applies to taxable income up to $48,350. The first $38,350 of your long-term capital gain ($48,350 - $10,000) falls into this 0% bracket.
  • 15% Rate: The remaining portion of your long-term capital gain ($200,000 - $38,350 = $161,650) falls into the 15% bracket, as your total taxable income ($210,000) is above the $48,350 threshold but below $533,400.

 

Happy 4th July! MAGA! God Bless America !

所有跟帖: 

很多年前做过一次。 -yesterday*once*more- 给 yesterday*once*more 发送悄悄话 (199 bytes) () 07/04/2025 postreply 07:20:42

那你说的和AI接近。计算税率时LTCG本身也考虑进去,48K以下的0%以上的15%? 还是全部15%? -老夏新生- 给 老夏新生 发送悄悄话 (0 bytes) () 07/04/2025 postreply 07:23:33

是。我那次应该是07年,我交5%的税率。。。 -yesterday*once*more- 给 yesterday*once*more 发送悄悄话 (307 bytes) () 07/04/2025 postreply 07:28:33

纠正一下:您的数据都是对单身,对夫妇来说要乘上2。 -parentb- 给 parentb 发送悄悄话 parentb 的博客首页 (0 bytes) () 07/04/2025 postreply 07:21:55

好像谷歌的回答是正确的。 -parentb- 给 parentb 发送悄悄话 parentb 的博客首页 (0 bytes) () 07/04/2025 postreply 07:25:28

谷歌答案正确 -冷雨无声- 给 冷雨无声 发送悄悄话 (0 bytes) () 07/04/2025 postreply 08:16:18

google 就是好啊,俺一直用 -CastlePines- 给 CastlePines 发送悄悄话 CastlePines 的博客首页 (0 bytes) () 07/04/2025 postreply 09:26:50

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