Earning money on your investments is a great feeling. The only downside is the capital gains tax you have to pay on your gains when you sell.

Each year, capital gains tax brackets are adjusted slightly to account for inflation, but they can still reduce some of your profits. For 2025, “single filers can have taxable income of $48,350 or $96,700 for married couples filing jointly and still pay 0% capital gains tax,” said CNBC. But for single filers earning between $48,351 and $533,400 ($96,701 to $600,050 for married filers filing jointly), a 15% capital gains tax applies. Those who are single and earn $533,401 or more ($600,051 or more for married filing jointly) will pay a 20% tax.