2026 Capital Gains Harvesting

How much in long-term capital gains can you realize at a 0% federal tax rate?

Tax year 2026

Could you pay 0% tax on your long-term capital gains in 2026?

In 2026, you owe 0% federal tax on long-term capital gains as long as your taxable income stays at or below $49,450 if you're single or $98,900 if you're married filing jointly.

Taxable income is not the same as your salary. It's what's left after deductions. With the 2026 standard deduction, a married couple could have about $131,100 of total income, and a single filer about $65,550, gains included, and still be at the line. Pre-tax 401(k) and HSA contributions from your paycheck let you earn even more. This calculator estimates how much room you have left.

Who benefits most from 0% gain harvesting

You may have an opportunity to pay 0% on long-term gains this year if you are:

  • Retired early and living on savings before Social Security or required withdrawals start
  • Taking a sabbatical, career break, or year between jobs
  • Part of a couple where one spouse stopped working or cut back
  • A business owner having a lower-profit year
  • Holding company stock (RSU or ESPP shares) for more than a year during a lower-income year
  • A retiree with a taxable brokerage account and modest taxable income
This is an advanced tax strategy. Results are educational estimates based only on the numbers you enter. Do not buy or sell investments based on these results without first consulting a financial professional.
Question 1

How will you file your 2026 tax return?

Let's work through this one together

This calculator covers Single and Married filing jointly. Head of household and married filing separately use different 2026 thresholds, so a short conversation is the best next step.

Book a free 20-minute callor call or text Thomas at (512) 200-4113

Will you be 65 or older by December 31, 2026?

People 65 and older get a larger deduction, which can mean more 0% room.

Are you legally blind?

Legal blindness also adds to the standard deduction.

Which of these will your household have in 2026?

Check everything that applies. You'll enter amounts for only the ones you check.

No problem. This is easier to work through together.

Guessing can produce a misleading answer, so a quick conversation is the better first step.

Book a free 20-minute callor call or text Thomas at (512) 200-4113

About how much do you expect from each in 2026?

Full-year estimates are fine. Your latest pay stub, last year's tax return, or a brokerage statement can help.

Do you expect to itemize deductions in 2026?

Most people take the standard deduction. Itemizing usually means large mortgage interest, state and local taxes, or charitable gifts.

About how much will you itemize?

Will you make any of these pre-tax contributions outside your paycheck?

HSA contributions you make directly (not through payroll), deductible traditional IRA contributions, or health insurance paid as a self-employed person.

About how much in total?

Your answers

Your estimated 2026 room at 0%
$0

Estimated federal tax savings
$0
Compared with paying 15% on the same gains
How much of the 2026 0% ceiling you are already using
Your taxable incomeRoom left at 0%Above the 0% ceiling

This is room for net long-term gains (profit on investments held more than one year), not the total value of what you sell. Estimate only; consult a financial professional before acting.

This is an advanced tax strategy. Results are educational estimates based only on the numbers you enter. Do not buy or sell investments based on these results without first consulting a financial professional.

Save your results and get the full breakdown

Enter your name and email and we'll send your free 2026 Capital Gains Harvesting Report. It includes:

  • A step-by-step walk-through of how your number was calculated
  • Charts showing how your income fills the 2026 tax brackets
  • How much federal tax harvesting could save you compared with 15%
  • A plain-English example of how gain harvesting works
  • What can change your answer, and questions to ask before you sell

We'll email your report and may follow up once about your results. We never sell your information.

Your results are saved. Your report is on its way.

Check in the next few minutes for your 2026 Capital Gains Harvesting Report (PDF). If you don't see it, check your spam or promotions folder.

Want help deciding how much to harvest, and from which holdings?

Harvesting works best when it's coordinated with the rest of your tax picture. Book a free portfolio review, or call or text Thomas Anzivino at (512) 200-4113.

Book a free portfolio review

Estimate only. This calculator is an educational estimate based on information you provide and 2026 federal figures from IRS Rev. Proc. 2025-32 and IRS senior-deduction guidance. It is not investment, tax, or legal advice and is not a recommendation to buy or sell any security. State tax, net investment income tax, AMT, and credit phase-outs are not modeled. Capital gains harvesting is an advanced strategy; consult a financial professional before acting. Longitude Financial Planning, Inc. is an Investment Adviser offering services in Texas and in other jurisdictions where exempt from registration.