How is loss harvesting modelled?

Enter the dollar amount of losses you plan to realise elsewhere. The planner subtracts that value from the net gain to show the impact on total tax owed.

Can I compare more than two scenarios?

The first release shows two scenarios side by side. Export the results or duplicate the baseline to explore additional combinations quickly.

Capital gains scenario planner

Experiment with different sale dates, price expectations, income levels, and state residencies to uncover your best after-tax outcome.

Baseline transaction

Set the base purchase and sale assumptions that both scenarios will build from.

Purchase pricePurchase dateExpected sale priceTarget sale dateOther taxable incomeFiling statusState

Scenario A

Sale timing adjustment (days)0 days relative to baselineSale price adjustment (%)0% vs. baseline priceTaxable income adjustment (USD)Use negative values to model income deferralHypothetical loss harvesting (USD)Residency for this scenario

Estimated results

Total tax: $48,110

Net gain: $170,000

Long-term gain: $170,000

Short-term gain: $0

Scenario B

Sale timing adjustment (days)60 days relative to baselineSale price adjustment (%)-3% vs. baseline priceTaxable income adjustment (USD)Use negative values to model income deferralHypothetical loss harvesting (USD)Residency for this scenario

Estimated results

Total tax: $23,610

Net gain: $152,400

Long-term gain: $157,400

Short-term gain: $-5,000

Scenario comparison

Tax difference

-$24,500

Net gain difference

$-17,600

Frequently asked questions

It moves your target closing date forward or backward. This affects whether a gain is treated as long-term and which tax year the sale lands in.