Tools · taxes

Tax-loss harvest calculator

See how a realized loss splits across short-term gains, long-term gains, and the $3,000 ordinary-income bucket. Primer: tax-loss harvesting guide.

Filing status for the ordinary cap Realized loss this year ($) Realized short-term gains ($) Realized long-term gains ($) Ordinary tax rate % Long-term capital gains rate % State tax rate %

Losses you type offset short-term gains, then long-term gains, then up to $3,000 of ordinary income ($1,500 if married filing separately) under IRC §1211(b). The rest carries forward. A wash sale under IRC §1091 disallows the loss if you buy substantially identical stock or securities in the 30 days before or the 30 days after. Prices, gains, and rates are what you type. This page does not scrape quotes. 2026 long-term bands are Rev. Proc. 2025-32. Ignores NIIT, AMT, and short-term versus long-term character — Schedule D keeps character; this stack does not. Educational only.