In 2025, how much can you earn without paying any capital gains tax?

• The IRS announced inflation adjustments for long-term capital gains in 2025, affecting investments held for over a year.
• In 2025, single filers with taxable income of $48,350 or married couples filing jointly with taxable income of $96,700 will not owe any capital gains taxes.
• Investors could benefit from the 0% capital gains bracket, according to experts.

You could minimize capital gains taxes on more earnings by rebalancing investments or harvesting profits in 2025.

The IRS announced inflation adjustments for 2025, including changes to long-term capital gains brackets for assets held over a year.

In 2025, the 0% capital gains bracket has higher taxable income thresholds, allowing investors to sell more assets without incurring taxes.

According to Neil Krishnaswamy, president of Krishna Wealth Planning in McKinney, Texas, the 0% capital gains bracket presents a "significant opportunity" for tax planning.

The IRS announces higher capital gains tax brackets for 2025.

By utilizing the 0% capital gains bracket, you can temporarily turn your taxable account into a tax-free one, according to Krishnaswamy, who is also an enrolled agent.

What is the 0% long-term capital gains rate for 2025 and how to qualify?

Who qualifies for 0% capital gains in 2025

In 2025, single filers with taxable income of $48,350 or less and married couples filing jointly with taxable income of $96,700 or less can enjoy the 0% long-term capital gains rate.

Your taxable income is lower than your gross earnings because you subtract the greater of the standard or itemized deductions from your adjusted gross income.

In 2025, the standard deduction for single filers will increase to $15,000, while married couples filing jointly will see an increase of $30,000.

According to experts, a couple earning more than $100,000 in 2025 could still fall under the 0% capital gains tax bracket after deducting the standard deduction.

In 2025, a married couple with a combined income of $125,000 could have a taxable income of less than $96,700 after deducting the standard deduction of $30,000.

"Even a slight increase in income could result in a significant tax increase for those who exceed the 0% threshold," advised Ashton Lawrence, a CFP and director at Mariner Wealth Advisors in Greenville, South Carolina.

When you sell profitable assets, they will be included in your taxable income calculation and could push you over the 0% capital gains tax threshold. It's crucial to perform a full-year tax projection before selling assets to comprehend how the additional income may affect your circumstances.