Estimate how harvested short- and long-term losses offset gains this year and how much loss carries forward.
Estimated Current-Year Tax Savings
--
Enter current gains, harvested losses, and tax rates to estimate how much tax-loss harvesting helps this year.
Tap an example to prefill the calculator with sample values.
Balanced gain offset
Offset both short- and long-term gains
A common portfolio cleanup case where harvested losses hit multiple buckets before any carryforward remains.
Result: The harvested losses clear part of the short-term gain bucket, wipe out the long-term bucket, and can still create a carryforward if more loss remains.
Carryforward-heavy year
Losses are larger than current gains
Useful when you want to see how much loss remains available after the current year’s gains and the ordinary-income offset are used up.
Result: Once the current gains are absorbed, only the annual ordinary-income limit is used immediately and the remaining loss carries forward.