2026 long-term rates are 0%, 15%, or 20% by taxable income (0% up to 49,450 single / 98,900 joint; 20% above 545,500 single / 613,700 joint), stacked on top of ordinary income. Short-term gains are taxed at your ordinary rate. The 3.8% net investment income tax applies above 200,000 dollars MAGI (250,000 joint). State tax may also apply. Estimates only, not tax advice. Phone 689-331-5723.