税务亏损收割计算器
计算通过税务亏损收割策略可节省的税款金额，利用投资亏损抵消资本利得，优化投资组合的税务效率。
Total Tax Savings
$1,050
Total Tax Savings vs Capital Gains Tax Rate
公式
Tax-Loss Harvesting
1. Losses offset gains dollar-for-dollar 2. Excess losses offset up to $3,000 of ordinary income 3. Remaining losses carry forward to future years
Tax Savings = Offset Gains x CG Rate + Income Offset x Income Rate
Be aware of the wash sale rule: you cannot repurchase the same or substantially identical security within 30 days.
计算示例
$10,000 gains, $7,000 losses, 15% CG rate.
- 01$7,000 losses offset $7,000 of gains
- 02Net taxable gain = $3,000
- 03Tax savings = $7,000 x 15% = $1,050
- 04No excess losses for income offset
常见问题
What is the wash sale rule?
You cannot claim a loss if you buy the same or substantially identical security within 30 days before or after the sale. This prevents selling for a tax loss and immediately rebuying.
Can I harvest losses every year?
Yes. Tax-loss harvesting is most effective during market downturns. You can offset gains and deduct up to $3,000 against income annually, with unlimited carryforward.
Does tax-loss harvesting actually save money?
It defers taxes and can permanently save money if your future capital gains rate is lower. The savings are also invested and compounding in the meantime.
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