Tax toolkit · 2026
Tax-loss harvesting calculator
Convert capital losses and gains into estimated dollar tax outcomes, personalized to your rates and state. Every figure is an estimate.
YOUR RATES
Shared inputs
Applies if MAGI is over $200K (single) / $250K (married filing jointly) / $125K (married filing separately). These thresholds are statutory and not inflation-indexed.
Most states tax capital gains at your ordinary state income rate. No-income-tax states: AK, FL, NV, NH, SD, TN, TX, WY. Washington: no income tax but a 7% excise on long-term gains above a high threshold.
MODE A
Your realized gains this year
Enter at least one gains figure above to see what harvested losses could be worth.
Harvesting defers tax rather than eliminating it: your replacement position starts with a lower cost basis, which means more gain later. The benefit comes from timing, rate differences, and reinvesting the savings.
Calculations happen in your browser. We don't store or transmit what you enter. All figures are estimates based on 2026 U.S. federal rates and the simplified inputs above; state treatment varies. This is an educational tool, not tax advice — confirm anything you plan to act on with a tax professional.