Tax

Capital Gain & Loss Harvesting Calculator

Auto-select tax lots to harvest under your chosen strategy, then project the multi-year after-tax wealth impact vs. doing nothing.

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How to use

Enter your tax lots (cost basis, current value, holding period, legacy flag).
Set your tax settings (filing status, ordinary income, state cap-gains, NIIT, NPV discount).
Pick a strategy goal and the budgets / caps for current-year realized gains and losses.
Review which lots to harvest, current-year tax impact, and multi-year projection vs. no-harvest.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Federal ordinary and LTCG brackets are 2025-style placeholders; edit for the actual year you're modeling.
Wash-sale rules are not modeled — assume you'd avoid replacement purchases within the 30-day window.
Capital losses offset gains first (STCG then LTCG); up to $3,000 of remaining loss can offset ordinary income each year if enabled.
Step-up at horizon is modeled only for assets flagged as 'legacy / step-up candidate'.