Tax-Loss Harvesting Calculator

Portfolio Details

Portfolio Value ($)

Total Cost Basis ($)

Estimated Annual Gains/Losses ($)

Annual Contribution ($)

Expected Annual Return (%)

Tax Situation

Federal Filing Status

Single

Married Filing Jointly

State Tax Rate (%)

Wash Sale Threshold ($)

Current Holding Period

Short-Term (<1 yr)

Long-Term (≥1 yr)

Tax-Loss Harvesting Analysis

Estimated Tax Savings from Harvesting

Short-Term Gain/Loss

Tax rate: 22–37%

Long-Term Gain/Loss

Tax rate: 0–20%

Wash Sale Impact

30-day rule applies

Net Gain/Loss

After harvesting

Optimal Harvest

Max deductible loss

Est. Tax Refund / Liability

Federal only

Detailed Breakdown

Unrealized Gain / (Loss) $0

Short-Term Losses (max $3,000/yr) ($0)

Long-Term Losses Carried Forward ($0)

Federal Tax on Gains ($0)

State Tax on Gains ($0)

NIIT Surtax (3.8%) ($0)

Total Tax Savings (Harvesting) $0

This calculator provides estimates for educational purposes only. Consult a qualified tax professional before making investment or tax decisions. Tax laws are subject to change. Capital gains rates shown are for 2025.

Tools for Tax-Smart Investing

eToro

Invest commission-free

Open Account

TurboTax

File taxes on investments

File Now

ProjectionLab

20% recurring for 2 years

Try Free

Wealthfront

Tax-loss harvesting built-in

Get Started

Lima One Capital

$500–$2,000 per referred loan

Learn More

FreshBooks

Up to $200 per sale · Free 30-day trial

Track Taxes & Expenses

QuikCalc is an independent financial calculator. We may earn compensation from the affiliate partners listed above. This compensation may influence which products we feature, but our recommendations remain editorial and unbiased. The compensation helps support our team of writers and researchers. Read our full FTC disclosure.