Investors & landlords

@ITExec - here is another calculator that may help as well: (scroll down to where the capital gains calculator is); it's the 2021 calculator, but it will be 'close enough'

 

https://www.nerdwallet.com/article/taxes/capital-gains-tax-rates

 

here is the 2022 capital gains bracket; you would take your IRA distribution less your standard deduction ($25,100 if you are both under 65 years old) and THAT will determine whether the capital gain begins in the 0% tax bracket and then bleeds into the 15% tax bracket

 

                                                  0% tax rate               15% tax rate                 20% tax rate

Single

$0 to $41,675.

$41,676 to $459,750.

$459,751 or more.

Married, filing jointly

$0 to $83,350.

$83,351 to $517,200.

$517,201 or more.

Married, filing separately

$0 to $41,675.

$41,676 to $258,600.

$258,601 or more.

Head of household

$0 to $55,800.

$55,801 to $488,500.

$488,501 or more.