Tax-Loss Harvesting Calculator
Tax saved by realizing a loss against gains, the deferral benefit and the basis-reset honesty check.
Formula
Harvesting doesn't erase tax — it defers it (your basis resets lower) — but deferred tax is an interest-free loan from the government that compounds in your account. In India, mind the replacement: buy a similar-but-not-identical fund; the US 30-day wash-sale rule has no Indian statutory twin but substance matters.
Not tax advice. Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need tax-loss harvesting calculator results fast? Analysts, founders, traders and finance professionals use the Tax-Loss Harvesting Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Tax-Loss Harvesting Calculator
Tax saved by realizing a loss against gains, the deferral benefit and the basis-reset honesty check. Harvesting doesn't erase tax — it defers it (your basis resets lower) — but deferred tax is an interest-free loan from the government that compounds in your account. In India, mind the replacement: buy a similar-but-not-identical fund; the US 30-day wash-sale rule has no Indian statutory twin but substance matters. The governing relationship is saving = loss × rate; benefit = saving compounding until the eventual sale. The Tax-Loss Harvesting Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Tax-Loss Harvesting Calculator
- 1Enter Unrealized loss available (currency), Capital gains tax rate (%), Years until you'd sell anyway, Return on reinvested tax saving (%) into the Tax-Loss Harvesting Calculator.
- 2The result is computed automatically using saving = loss × rate; benefit = saving compounding until the eventual sale — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Tax-Loss Harvesting Calculator?
- ✓Computes tax-loss harvesting calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Tax-Loss Harvesting Calculator?+
Tax-Loss Harvesting Calculator uses saving = loss × rate; benefit = saving compounding until the eventual sale. Harvesting doesn't erase tax — it defers it (your basis resets lower) — but deferred tax is an interest-free loan from the government that compounds in your account. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Tax-Loss Harvesting Calculator need?+
Enter Unrealized loss available (currency), Capital gains tax rate (%), Years until you'd sell anyway, Return on reinvested tax saving (%) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Tax-Loss Harvesting Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. Not tax advice. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Tax-Loss Harvesting Calculator?+
In India, mind the replacement: buy a similar-but-not-identical fund; the US 30-day wash-sale rule has no Indian statutory twin but substance matters.
What is the Tax-Loss Harvesting Calculator based on?+
The method follows authoritative sources: Tax-loss harvesting literature; IRC §1091 (US wash sale). The formula and references are shown on the page so you can verify and cite the result.
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