How much you can make in 2027 and still pay 0% capital gains tax

The IRS raised its long-term capital gains tax brackets for 2027, lifting the income thresholds at which investors qualify for the 0% rate on investment profits. The adjustment means taxpayers can realize more in long-term gains before owing federal capital gains tax, though the exact dollar figures depend on filing status. The change matters because it gives investors a larger window to harvest gains, rebalance portfolios or sell appreciated assets tax-free. The brackets are indexed to inflation, so the increase reflects cumulative price growth rather than a policy change. Investors should watch for the agency's full 2027 inflation adjustments, including ordinary income brackets and standard deduction figures, before planning year-end sales.