If you’re planning to sell investments in 2025, there’s a powerful tax-saving opportunity on the table: the 0% capital gains tax bracket.

For the 2025 tax year, single filers with up to $48,350 in taxable income, or $96,700 for married couples filing jointly, may qualify for the 0% long-term capital gains rate. That means you could sell profitable investments and pay nothing in capital gains tax—if you stay under those income thresholds.

But here’s the key: taxable income is not your total income. It’s what’s left after subtracting deductions—usually the standard deduction, which is also increasing in 2025 to $15,000 for single filers and $30,000 for married couples.

So even if your gross income is well over $100,000, you might still land in the 0% bracket after deductions. For instance, a married couple earning $125,000 could end up with taxable income under $96,700 after subtracting the $30,000 standard deduction—keeping them eligible for the 0% rate.

This creates a golden opportunity for smart tax planning. If you’re thinking about rebalancing your portfolio or harvesting gains, 2025 might be the time to do it. Just be careful—any capital gains you realize will count toward your taxable income and could push you above the threshold.

Before you sell, it’s wise to run a full-year tax projection. That way, you’ll understand how the gains affect your overall income and whether you’re still in the clear for 0% capital gains.