Put an investment loss to work.

TAX OFFSET ESTIMATE

Match available losses against realized gains and estimate how much tax the offset could save.

Estimate only — not tax advice. This tool uses the tax rate you enter and assumes the harvested loss can offset the gains entered. Actual results depend on holding periods, netting rules, account type, state law, and your full tax return.

Enter your numbers

3 INPUTS

Realized capital gains

Gains already realized this tax year that a harvested loss could offset.

Available losses to harvest

Enter the positive dollar amount of losses you may realize.

Estimated tax rate on the gains

Use the rate you expect on the gains being offset. Add state tax only if you want it reflected.

Your entries stay in this tab and are not saved.

See the offset.

Enter gains, available losses, and your estimated tax rate to compare the tax before and after harvesting.

ESTIMATED TAX SAVINGS

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LOSS USED—

GAIN LEFT—

RATE ENTERED—

Estimated tax on these gains

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No harvest

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After harvest

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GAIN OFFSET—matched dollar for dollar

GAIN STILL TAXABLE—after the estimated offset

UNUSED LOSS—not assigned a tax value here

Harvesting breakdown

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Watch the wash-sale rule. A loss can be disallowed for now if you buy the same or a substantially identical investment within 30 days before or after the sale. Purchases in another account, including some retirement accounts, can matter too. Consider the full 61-day window before trading.

Method: Loss used = the smaller of realized gains and available losses. Estimated savings = loss used × entered tax rate. This simplified result does not value losses beyond the gains entered, apply the annual ordinary-income deduction, separate short- and long-term netting, or model carryforwards.

Before acting: Confirm the lot, cost basis, holding period, replacement-investment plan, and wash-sale exposure. Tax-loss harvesting can reduce taxes, but taxes should not be the only reason to change an investment.