A 3.8 percent tax on investment income, including capital gains and crypto gains, for taxpayers above $200,000 of income ($250,000 joint).
It is easy to miss in planning. A large crypto gain that pushes you over the threshold is taxed at the capital gains rate plus 3.8 percent on the amount above the threshold.
Yes. Staking, interest, and rental income are investment income for this tax; wages and active business income are not.
Last reviewed September 15, 2026. Tax rules change; confirm current law before acting.
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