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

About this tool

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.

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