Capital Gains Harvesting Timing Calculator
Determine optimal timing to sell investments for tax efficiency.
Holding Period Analysis
Current Gain:$ 50000
Holding Days:300
Status:SHORT-TERM (STCG)
Days to Long-Term:65
Tax Rate Comparison
Short-Term Rate:24.0%
Long-Term Rate:15.0%
STCG taxed at ordinary income rates. LTCG: 0%, 15%, or 20% based on income.
Sell Now Scenario
Federal Tax:$ 12000
State Tax:$ 2500
Total Tax:$ 14500
Recommendation
Too far from 1-year mark. Sell now and reinvest proceeds.
Capital Gains Timing Tips
- Hold over 1 year for long-term rates (0%, 15%, or 20% vs up to 37%)
- Consider opportunity cost: waiting delays reinvestment
- Year-end timing: sell losers to offset gains
- Wash sale rule: 30-day waiting period for repurchase
- State taxes apply to both STCG and LTCG
- NIIT: 3.8% surtax on investment income over threshold