Capital gain tax question about stocks?


Question:
This is a hypothetical question regarding how much capital gain tax I would pay (live in NJ) if I had $25k in my account (non ira) , and wanted to cash out? Do the feds take a percentage of my "gains" or a piece of the entire amount?

Answer:
It would be a percentage of your gains on the stock. Calculate how much more you get (after commissions) when you sell it than what it cost you (including commissions).

Another factor is how long you've owned the stock. If it's more than a year, you have a "long-term" capital gain which will be generally taxed by the US at 15% or 5% depending on what tax bracket you are in. (If you're in the 10% or 15% bracket, it will be 5%, otherwise 15%.) If it's less than a year, you'll be taxed at whatever your marginal tax rate is (somewhere between 10% and 35%)

In most states, you'll also owe state income tax on the profits.
As the other answerer said its 15 or 5. So if you have a bad year income wise thats the time to cash out. I did last year and made it in on 5% and that saved me about 1k dollars in taxes that if I would have been at 15%
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