bankrate.com is not the tax law. The information that you posted from bankrate.com is oversimplified and incomplete. In particular, it does not say what the dollar amounts in its chart refer to. As others have told you, the dollar amounts are taxable income including the capital gains. The information from bankrate.com also does not explain that long-term capital gains are not all taxed at the same rate. The rates are applied in brackets, as in the example that Opus 17 gave. Importantly, the chart from bankrate.com omits the 15% bracket. Your capital gains could straddle more than one bracket, so that some is taxed at 0% and some at 15%.
I assure you that TurboTax is doing the calculations correctly. Any discrepancy that you find is due to your misunderstanding of how the tax is calculated.
