You won’t have to pay capital-gains taxes if your taxable income is at or below a certain level. For the 2025 tax year (so, the return you will be filing shortly), that’s $48,350 for singles, $96,700 married couples filing jointly, and $64,750 for heads of household, which is the IRS’s term for single people with one or more dependents. Above those cut-offs, capital gains are taxed at 15%.If you have investment income that isn’t sheltered from tax, you will need to pay capital-gains taxes on it. Capital gai ...