Capital Gains & Investment Tax
Capital Gains Harvesting
Reset your cost basis tax-free by realizing gains in a low-income year.
Gains To Harvest Tax-Free
0
0% Capacity
0
Tax On The Rest
0
Tax-Free vs Taxed Gains
💡 What This Means
Capital Gains Harvesting Calculator
The Capital Gains Harvesting Calculator helps you realize long-term gains at the 0% rate to reset your cost basis on purpose. You enter your taxable income this year, the unrealized gains you could sell, and your filing status, and it returns how much you can harvest tax-free along with the tax on any gains above the threshold. This is the mirror image of loss harvesting: in a low-income year you sell winners, pay zero federal tax on the gains under the line, and rebuy to lift your basis. Use it during a sabbatical, an early retirement gap, or any lean year. It shows the exact tax-free amount so you can size the sale with confidence.