从非退休帐户(非401,IRA)卖股取钱,家庭收入$94050以下不用交税。这对退休人士非常友好。不要老想放钱到退休账户
https://www.fidelity.com/learning-center/smart-money/capital-gains-tax-rates
https://www.fidelity.com/learning-center/smart-money/capital-gains-tax-rates
不值得啊。
举个夸张的例子,假如你当年有100万long term capital gain, 即使其他收入是0,还是要交大约20万的税。
tax 计算capital gain时,收入的数字用的是line 15,就是包括了capital gain。我正再看税表说明书。
In 2023, the long-term capital gains tax rates in the United States are as follows:
0% rate: Applies to taxable income of up to $44,625 for single filers and $89,250 for married couples filing jointly. 15% rate: Applies to taxable income between $44,625 and $492,300 for single filers and between $89,250 and $553,850 for married couples filing jointly. 20% rate: Applies to taxable income over $492,300 for single filers and over $553,850 for married couples filing jointlyIn 2024, the long-term capital gains tax rates are adjusted as follows:
0% rate: Applies to taxable income of up to $47,025 for single filers and $94,050 for married couples filing jointly. 15% rate: Applies to taxable income between $47,026 and $518,900 for single filers and between $94,051 and $583,750 for married couples filing jointly. 20% rate: Applies to taxable income over $518,900 for single filers and over $583,750 for married couples filing jointly你看看1040关于计算long-term capital gain的worksheet,那个数字包括long-term capital gain 本身。所以,long-term capital gain多了,也影响它在那个rate。但最高是20%,不是ordinary income 的37%。
Alaska, Florida, New Hampshire, Nevada, South Dakota, Tennessee, Texas, and Wyoming
只要拿出来, 有盈利, 就要交税
taxable income/w2 小于 $94050, 的确capital gain 税lv 是0,不影响 整体 联邦税, 但州税还是有的( 在非免capital tax state 的话)
gain 算在taxable income 里。
讨论过的,我以前跟你理解一样,错了
ordinary income the tax bracket.
capital gains 部分是0%的。如2023的taxible income (1040 line 15) 是$89250 里面long term capital gain 是不交税的0%,但其它的taxible income 部分是要交税的。 比如taxible income 是$89250里面long term capital gain 为$89250工资等其它的taxible income 是0. 那是不交税的;如这个$89250taxible imcome 里$40000 为 long term capital gain, 这$40000 是不交税的,但其它的taxible income $49250 (89250-40000) 是要按IRS 税率交税的 (交$5467的税,按没有qualified dividends 算)。
如有兴趣可以仔细研究一下1040 的“Qualified Dividends and Capital Gain Tax Worksheet”