Capital Gains vs Ordinary Income Tax Calculator 2027

Compare 2027 long-term capital gains (0/15/20%) vs ordinary income brackets (10-37%) — see tax savings on stock sales, real estate, Roth conversion timing.

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2027 LTCG Brackets

Single: 0% up to $47,025 total income. 15% from $47,025 to $518,900. 20% above $518,900. Joint: 0% up to $94,050. 15% $94,050-$583,750. 20% above $583,750.

Tax-Gain Harvesting

If your TOTAL income (ordinary + gains) is below 0% LTCG threshold ($47k single / $94k joint), realize gains AT 0%! Then re-buy same stock to step up basis. Legal, no wash-sale rule.

Short-Term Capital Gains

Held ≤ 1 year = ordinary income rates (10-37%). Always wait past 1-year mark before selling unless tax-loss harvesting. 1 day difference can save 20% tax.

NIIT Surtax

Net Investment Income Tax: extra 3.8% on investment income (incl. gains) above $200k single / $250k joint AGI. Often forgotten — adds significant cost for high earners.

Source: irs.gov 2027 Long-Term Capital Gains Rate Brackets. Last updated: May 2026.