Capital Loss Harvesting Calculator

Estimate how harvested losses offset gains, ordinary income, and future carryforward.

Filing status

Short-term gains

Long-term gains

Harvested capital losses

Ordinary marginal rate

Long-term capital gain rate

Estimated current-year tax savings

$3,420

Based on entered rates

Loss carryforward

Potential future offset

Short-term gains offset

$8,000

Long-term gains offset

$10,000

Ordinary income deduction

Net capital gain remaining

$2,000

Losses are applied to short-term gains first for planning value here, then long-term gains, then up to $3,000 of ordinary income ($1,500 MFS). Watch-sale rules are not modeled.