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Tax Loss Harvesting Analyzer

Free Tool

Identify tax-loss harvesting opportunities in your crypto portfolio. Calculate potential savings, track holding periods, and understand wash sale implications.

Long-Term Capital Gains Rate
Short-Term / Ordinary Income Rate
State Tax Rate (%)
Unrealized Losses
-$23.0K
6 positions
Unrealized Gains
$0
0 positions
Potential Tax Savings
$5.0K
by harvesting all losses
Annual Deduction (if net loss)
$3.0K
Max $3K/yr against income
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Wash Sale Rule (IRS Notice 2014-21)
As of 2026, the IRS wash sale rule applies to crypto assets. You cannot claim a loss if you buy a substantially identical asset within 30 days before or after the sale. Plan your harvesting accordingly.
๐Ÿ“‹Holdings Analysis
AssetQtyBuy PriceCurrentCost BasisValueGain/Loss%DaysTypeTax Savings
$49,000.00$41,000.00-$8,000.00-16.3%425dLong+$1.6K
$25,600.00$16,800.00-$8,800.00-34.4%380dLong+$1.8K
$18,000.00$14,500.00-$3,500.00-19.4%279dShort+$945
$4,250.00$3,600.00-$650.00-15.3%208dShort+$176
$4,400.00$3,700.00-$700.00-15.9%496dLong+$140
$4,750.00$3,400.00-$1,350.00-28.4%338dShort+$365

๐ŸŽฏ Harvesting Recommendations

1
Sell ETH
Long-term loss of -$8.8K (-34.4%)
Save $1.8K
at 20% effective rate
2
Sell BTC
Long-term loss of -$8.0K (-16.3%)
Save $1.6K
at 20% effective rate
3
Sell SOL
Short-term loss of -$3.5K (-19.4%)
Save $945
at 27% effective rate
4
Sell DOT
Short-term loss of -$1.4K (-28.4%)
Save $365
at 27% effective rate
5
Sell LINK
Long-term loss of -$700 (-15.9%)
Save $140
at 20% effective rate
6
Sell ADA
Short-term loss of -$650 (-15.3%)
Save $176
at 27% effective rate

Tax Loss Harvesting for Crypto

Tax-loss harvesting is the strategy of selling investments at a loss to offset capital gains taxes. For crypto investors, this can be especially powerful due to the market's high volatility โ€” positions that are underwater today may present significant tax savings.

How it works: When you sell a crypto asset at a loss, you can use that loss to offset capital gains from other assets. If your losses exceed your gains, you can deduct up to $3,000 per year against ordinary income, with remaining losses carried forward.

2026 Update: Starting in 2025, the wash sale rule now applies to digital assets. You must wait at least 30 days before repurchasing the same or substantially identical crypto asset after a tax-loss sale.

Disclaimer: This tool is for educational purposes only and does not constitute tax advice. Tax laws vary by jurisdiction and change frequently. Consult a qualified tax professional for your specific situation.