Capital Gains Tax Optimizer Calculator
Optimize your capital gains tax strategy through loss harvesting, bracket optimization, and timing decisions.
Current Position
Harvesting Opportunities
Income & Bracket Analysis
Ordinary Income:$80000.00
Net Capital Gains:$40000.00
Total Income:$120000.00
Long-term Rate:15%
0% bracket threshold: $47025 | 15% bracket up to: $518900
Current Tax Liability
$12400.00
Based on 15% long-term capital gains rate
Optimized Tax Strategy
Best Strategy: Target Short-term Gains
Tax Savings:$4800.00
Optimized Tax:$7600.00
Harvest Amount:$15000.00
Remaining Losses:$0.00
Key Optimization Strategies
- Harvest losses to offset gains: First offset same-type gains, then cross-type, then $3,000 ordinary.
- Bracket optimization: Harvest enough losses to drop into 0% bracket if possible.
- Short-term priority: Offset high-rate short-term gains first (taxed at ordinary rates up to 37%).
- Timing: Hold winners over 1 year for long-term rates (0%, 15%, 20% vs ordinary rates).
- Wash sale rule: Wait 31 days before repurchasing to preserve loss deduction.
- Income stacking: Long-term gains stack on top of ordinary income for bracket determination.