請教一個long term capital gain 的問題，稅率到底是怎麽決定的

LT capital gain tax rate is 0%, 15% and 20% for single filer with income between 0-48K, 48K-533K, and > 533K, respectively. 

問題： 隻有10K 的收入， 但有200K的LTCG， 怎麽交稅呢？一些網站似乎是說這種情況下200K都是不用交稅的， 而穀狗AI說一部分不交稅一部分按15%交稅。請有經驗的說一下到底是怎麽樣的情況， 多謝。對於普通中產，除了努力賺錢增加收入，盡可能避稅也很重要啊。

這是穀歌的回答：

For a single filer in 2025 with $10,000 in ordinary income and a $200,000 long-term capital gain, the long-term capital gains tax rate would be a combination of 0% and 15%. 

Here's how it breaks down:

• Determine total taxable income: Your total taxable income is $10,000 (ordinary income) + $200,000 (long-term capital gain) = $210,000.
• 0% Rate: For single filers in 2025, the 0% long-term capital gains tax rate applies to taxable income up to $48,350. The first $38,350 of your long-term capital gain ($48,350 - $10,000) falls into this 0% bracket.
• 15% Rate: The remaining portion of your long-term capital gain ($200,000 - $38,350 = $161,650) falls into the 15% bracket, as your total taxable income ($210,000) is above the $48,350 threshold but below $533,400.

 

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