TaxWrenInvesting
Capital gains, dividends and selling a home.
Explainer · Investing
Net investment income tax (NIIT): who pays the 3.8% in 2026
The 3.8% NIIT applies when income passes $200,000 (single) or $250,000 (joint) in 2026. What counts as investment income, how it is figured, with examples.
3.8%NIIT above $200,000 of income (single)
October 15, 2026
Explainer · Investing
Long-term capital gains tax rates for 2026: 0%, 15%, 20% brackets
2026 long-term capital gains brackets by filing status, how a gain stacks on your income, short-term rates, the 3.8% NIIT and the 25%/28% exceptions.
0/15/20%long-term capital gains rates, 2026
October 11, 2026
Explainer · Investing
How are RSUs taxed? Vesting, withholding and selling
RSUs are taxed as wages when shares are delivered, with withholding that can be a flat 22%, then as capital gains when sold. An example and the cost basis trap.
RSUstaxed twice: as pay, then on the gain
October 10, 2026
Guide · Investing
Tax-loss harvesting: how it works and what it saves
Sell investments at a loss to cancel out gains, deduct up to $3,000 a year from other income and carry the rest forward, without breaking the 30-day wash-sale rule.
$3,000of losses a year against other income
October 10, 2026