Tax-Loss Harvesting Calculator

Tax-Loss Harvesting Calculator. An investor enters sale proceeds, basis, other gains, ordinary income, annual loss limit, and tax rate to estimate realized loss and tax savings. Use it when comparing a loss sale before year-end.

Inputs

Note

Investments & Capital Gains inputs

Sale proceeds from loss position ($)

Range: 0–100,000,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 8000. Edit this value for your own facts.

Adjusted basis ($)

Range: 0–100,000,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 12000. Edit this value for your own facts.

Other capital gains to offset ($)

Range: 0–100,000,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 5000. Edit this value for your own facts.

Ordinary income ($)

Range: 0–100,000,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 80000. Edit this value for your own facts.

Annual ordinary-loss limit ($)

Range: 0–100,000,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 3000. Edit this value for your own facts.

Applicable tax rate (%)

Range: 0–100 %

Enter a percentage as a whole number, such as 22 for 22%, not 0.22. Professional example: 22. Edit this value for your own facts.

Result

Estimated Tax Savings

880.00

Realized Loss

4,000.00

Estimate

Carryover

0.00

Gain Offset

3,000.00

Ordinary Offset

1,000.00

How to interpret this result

Tax-Loss Harvesting Calculator starts with a professional planning example for this scenario. Edit the inputs to replace the example with your own facts; the displayed outputs update from the formula.

Applicability and limits

This is a loss-and-rate estimate. It does not determine wash-sale adjustments, replacement-security risk, state tax, carryover schedules, or investment suitability.

Calculation basis

Only the named inputs and displayed formula relationships are used. Rates, limits, thresholds, eligibility flags, dates, and jurisdiction assumptions are not silently looked up unless a verified dataset is listed.

Formula

Calculation logic

Formula definitions and substituted values.

What to check

An investor enters sale proceeds, basis, other gains, ordinary income, annual loss limit, and tax rate to estimate realized loss and tax savings.
Use it when comparing a loss sale before year-end.
This is a loss-and-rate estimate. It does not determine wash-sale adjustments, replacement-security risk, state tax, carryover schedules, or investment suitability.