Tax-loss harvesting checker

List your holdings with their cost basis and current value, and this tool sums the positions that are underwater, the losses you could realise, and the net once your gains are set against them. It is a planning aid, not tax advice.

Planning aid only, deductibility and timing rules vary by country, not tax advice.

What tax-loss harvesting is

Harvesting means selling a position that has fallen below its cost basis so the loss becomes real, then setting that loss against gains you have made elsewhere. An unrealised loss on paper does nothing for your tax; only a realised one can offset a gain. This tool sums the losses sitting in your portfolio and shows what they could offset.

What to check before harvesting

Repurchase and wash-sale rules

Some countries disallow or defer a loss if you buy the same asset back too soon, through wash-sale or same-day and 30-day matching rules. Selling to harvest a loss and immediately repurchasing can quietly cancel the benefit.

Deductibility varies by country

Whether a realised crypto loss is deductible at all, and what it can be set against, depends on where you live. Confirm the detail in the relevant country guide before you act.

Carrying losses forward

In many countries a loss you cannot use this year can be carried forward to reduce gains in future years, but usually only if you report it in time. Recording losing disposals as carefully as winning ones is what lets you use them later.

Turning a plan into a filed loss

A loss only counts once it is realised and reported. The full report tracks your real cost basis across wallets, so the losses you harvest are calculated correctly and land in the right place on your return.