Tax-Loss Harvesting Capital Gains Offset & Tax Savings Calculator

Estimate current-year tax reduction and loss carryforward from tax-loss harvesting.

Current-Year Tax Savings
USD 4,560.00
Capital Gains Offset USD 18,000.00
Ordinary Income Offset (USD 3,000.00 Cap) USD 3,000.00
Indefinite Capital Loss Carryforward USD 5,000.00
Inputs
Amounts are treated in the selected currency; no foreign-exchange conversion is applied.
USD
Realized capital gains so far this tax year.
USD
Unrealized losses harvested before year-end (observing 30-day wash-sale rule).
%
Applicable capital gains tax rate (%).
%
Marginal ordinary income tax rate applied to the $3,000 offset (%).
Results & Graph
Current-Year Tax Savings
USD 4,560.00
Capital Gains Offset
USD 18,000.00
Ordinary Income Offset (USD 3,000.00 Cap)
USD 3,000.00
Indefinite Capital Loss Carryforward
USD 5,000.00

Current-Year Tax Savings

Graph 1 • Realized Capital Gains Sensitivity Recalculates the domain equation across 50% to 150% of the primary input while holding other parameters constant.
0 USD 2.9k USD 5.9k USD 50%: 2,760 USD 2.8k 50% 75%: 3,660 USD 3.7k 75% 100%: 4,560 USD 4.6k 100% 125%: 5,460 USD 5.5k 125% 150%: 5,200 USD 5.2k 150%
Graph 2 • Primary & Supporting Metric Comparison Compares the primary output alongside supporting domain benchmarks.
Current-Year Tax Savings USD 4,560.00 Capital Gains Offset USD 18,000.00 Ordinary Income Offset (USD 3,000.00 Cap) USD 3,000.00 Indefinite Capital Loss Carryforward USD 5,000.00
Graph 3 • Exact Output Table & Units Displays each calculated output in its exact domain unit.
Current-Year Tax SavingsUSD 4,560.00Capital Gains OffsetUSD 18,000.00Ordinary Income Offset (USD 3,000.00 Cap)USD 3,000.00Indefinite Capital Loss CarryforwardUSD 5,000.00
Summary: Harvesting USD 26,000.00 offsets USD 18,000.00 in capital gains plus USD 3,000.00 ordinary income, saving USD 4,560.00 this year with USD 5,000.00 carried forward.
Summary: Harvesting USD 26,000.00 offsets USD 18,000.00 in capital gains plus USD 3,000.00 ordinary income, saving USD 4,560.00 this year with USD 5,000.00 carried forward.
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Formula & Mathematical Methodology: Tax-Loss Harvesting Mathematical Formula

GainOffset = min(RealizedGains, HarvestedLosses)
IncomeOffset = min(3000, RemainingLoss)
Carryforward = RemainingLoss − IncomeOffset
GainOffset = min(RealizedGains, HarvestedLosses); IncomeOffset = min(3000, RemainingLoss); Carryforward = RemainingLoss − IncomeOffset
  • realizedCapitalGains: Realized Capital Gains (USD)
  • harvestedCapitalLosses: Harvested Capital Losses (USD)
  • capitalGainsTaxRatePct: Capital Gains Tax Rate Pct (%)
  • ordinaryIncomeTaxRatePct: Ordinary Income Tax Rate Pct (%)

Rounding: Intermediate calculations retain full IEEE-754 floating-point precision; displayed currency and ratios round to 2 decimal places.

Worked Example: Benchmark Scenario: Tax-Loss Harvesting

Estimate current-year tax reduction and loss carryforward from tax-loss harvesting.

  1. Enter the portfolio, option, lease, or corporate balance-sheet inputs.
  2. Evaluate the core equation: GainOffset = min(RealizedGains, HarvestedLosses); IncomeOffset = min(3000, RemainingLoss); Carryforward = RemainingLoss − IncomeOffset.
  3. Inspect the primary valuation output, risk metrics, and 3 visual SVG graphs.
Result: Computes Tax-Loss Harvesting using GainOffset = min(RealizedGains, HarvestedLosses); IncomeOffset = min(3000, RemainingLoss); Carryforward = RemainingLoss − IncomeOffset.

Frequently Asked Questions

How does the Tax-Loss Harvesting Capital Gains Offset & Tax Savings Calculator calculate results?

It evaluates GainOffset = min(RealizedGains, HarvestedLosses); IncomeOffset = min(3000, RemainingLoss); Carryforward = RemainingLoss − IncomeOffset directly in your browser and updates the three domain SVG visualizations immediately as you adjust any input.

Can I compare multiple investment or financing scenarios side by side?

Yes. Click "Compare (0/3)" in the results toolbar to pin up to three scenarios side by side.

Are my financial numbers kept private?

Yes. All calculations run 100% locally in your browser with zero server uploads.

Finance & Investing · Taxes & Compliance

Tax-Loss Harvesting Capital Gains Offset & Tax Savings Calculator: inputs, method, and how to read the result

Estimate current-year tax reduction and loss carryforward from tax-loss harvesting.

Choose inputs for the case you are checking

The defaults are illustrative. Replace them with values for your case and keep the units shown beside each field.

  • Display Currency: Amounts are treated in the selected currency; no foreign-exchange conversion is applied.
  • Realized Capital Gains: Realized capital gains so far this tax year.
  • Harvested Capital Losses: Unrealized losses harvested before year-end (observing 30-day wash-sale rule).
  • Capital Gains Tax Rate Pct: Applicable capital gains tax rate (%).

What the calculation includes

With the default values shown, Current-Year Tax Savings is USD 4,560.00. The calculation follows Tax-Loss Harvesting Mathematical Formula; the formula and variable definitions above show how the inputs combine.

One-input check: With the other defaults held constant, changing Realized Capital Gains from 18,000 USD to 19,800 USD changes Current-Year Tax Savings from USD 4,560.00 to USD 4,920.00. This is a comparison inside the calculator's stated model, not a prediction.

Where to use caution

  • Uses standard quantitative finance, GAAP/IFRS operating ratios, and continuous/periodic compounding conventions.
  • For educational and analytical modeling only; consult a licensed CPA, CFA, or fiduciary advisor before executing tax or derivative transactions.

Scope: Global Financial & Corporate Valuation Standard Check the assumptions and limitations against your situation before relying on the estimate.

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