📉

Tax-Loss Harvesting Calculator

Estimate how much you could save in taxes by strategically harvesting investment losses in your taxable portfolio.

Taxable portfolio value ($)

Federal marginal tax rate (%)

State tax rate (%)

Long-term capital gains rate (%)

Expected annual portfolio turnover (%)

Average annual market volatility

Time horizon (years)

Expected annual return (%)

Optionality · Tax-Loss Harvesting Calculator

Optimize your entire portfolio

Optionality tracks your investments, real estate, and all assets in one place — with an AI financial advisor that identifies tax-saving opportunities automatically.

Get your free financial snapshot

Free to use · No credit card required

FIRE Calculator · Roth Conversion Calculator · Mega Backdoor Roth Calculator · Asset Location Calculator · RSU Tax Calculator

Tax-Loss Harvesting Calculator

Optimize your entire portfolio

Share Optionality