Tax-Loss Harvesting Calculator | Predictable Income

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Tax-Loss Harvesting

Estimate the tax savings from strategically realizing losses to offset capital gains in your portfolio.

Your Losses & Gains This Year

Short-Term Losses ($)

Long-Term Losses ($)

Short-Term Gains ($)

Long-Term Gains ($)

Your Tax Situation

Filing Status

Ordinary Income Tax Rate 24%

Long-Term Capital Gains Rate 15%

Total Tax Savings This Year

—

Net Capital Loss

—

after offsetting gains

Carryforward

—

to future tax years

Tax Savings Breakdown

Your losses offset — in gains and deduct — against ordinary income (capped at $3,000/yr). The remaining — carries forward to future years.

Tax-Loss Harvesting Calculator

Tax-loss harvesting is one of the most powerful legal strategies for reducing your investment tax bill, but the mechanics trip up most investors. Our Tax-Loss Harvesting Calculator walks you through the full IRS offset waterfall, short term losses first against short term gains, long term losses against long term gains, cross netting between categories, and the final three thousand dollar annual deduction against ordinary income. Enter your realized losses and gains for the year along with your filing status and tax rates, and the calculator returns your total federal tax savings, your net capital loss, any carryforward amount to future years, and a clean breakdown of where each dollar of savings comes from. For high income investors with taxable brokerage accounts, a well-executed harvesting strategy can generate thousands of dollars in annual tax savings while keeping your portfolio fully invested.