How much tax could I save with tax-loss harvesting in 2025?
Estimate how tax-loss harvesting could offset gains and up to $3,000 of ordinary income in 2025 or 2026. Enter current gains and losses to see the IRS netting rules, estimated tax savings, and remaining loss carryforward.
How this calculation works
- Net short-term and long-term gains and losses under IRS rules.
- Applies the $3,000 ordinary income offset limit.
- Estimates remaining loss carryforward.
Common mistakes and caveats
- Wash sale rules can disallow losses if you repurchase too soon.
- State tax treatment may differ from federal rules.
FAQ
Can losses offset ordinary income?
Yes. Up to $3,000 of net capital losses can offset ordinary income annually.
Last updated & sources
Last updated January 26, 2026.
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