Crypto Tax-Loss Harvesting Calculator

See how much tax you can defer by harvesting a losing crypto position.

Cost basis ($)Current value ($)Held for (years)

Short-term rate %Long-term rate %Plan to rebuy

Selling at a $5,500 loss and reinvesting after 30 days in a non-substantially-identical asset can save roughly $825 in long-term capital gains tax. IRS wash-sale rules apply to securities; as of 2026 the IRS has not formally extended them to crypto, but pending legislation could change this. Repurchasing within 30 days is risky.

Cost basis

$15,000

Current value

$9,500

Unrealized P/L

$-5,500

Holding period

1.5 yr — long-term

Tax rate applied

15%

Realized loss (if sold)

$5,500

Tax saved (federal, est.)

$825

Verdict

Consult a tax pro

Acerca de esta herramienta

Type the cost basis, current value, holding period, and your marginal tax rate (short- vs long-term). Get the realized loss, the federal tax saved, the wash-sale warning for repurchase within 30 days, and the net benefit. A direct response to the r/CryptoCurrency and r/tax 'should I sell my BTC at a loss before Dec 31' question.

Herramientas relacionadas

Más inversión que podrían resultarte útiles.

DCA Future Value Calculator

Project the future value of any recurring investment.

Gas Fee as % of Trade Calculator

See how much of your trade the gas actually eats.

Impermanent Loss Calculator

See the impermanent loss for an LP position at any price change.

Otras categorías

¿Buscas algo diferente? Explora el resto del catálogo.

Sugerencias patrocinadas

Like this site? You'll love our weekly newsletter
One new tool, one fresh Reddit pain point, every Friday. No spam.

Algunos enlaces a continuación son enlaces de afiliado. Podemos ganar una comisión si compras a través de ellos, sin coste adicional para ti.

Sugerir herramienta