Tax Loss Harvesting Calculator

Optimize your investment taxes by offsetting capital gains with losses. IRS allows you to reduce your tax bill through strategic loss harvesting.

Enter your capital gains and losses for this tax year

Short-Term Gains (held < 1 year)

Long-Term Gains (held ≥ 1 year)

Realized Losses (already sold)

Unrealized Losses (available to harvest)

Annual Income (Optional)

Used to calculate your marginal tax rate

Filing Status

Enter your investment information to calculate tax loss harvesting opportunities

Capital losses first offset capital gains of the same type (short-term with short-term, long-term with long-term).

Remaining losses can offset up to $3,000 of ordinary income per year, reducing your overall tax liability.

Excess losses beyond the $3,000 limit carry forward indefinitely to future tax years.