Bitcoin · Calculator

Tax-loss harvesting:
estimate savings from realized losses.

Enter your Bitcoin position to estimate the tax savings from harvesting a loss and immediately rebuying at the same price.

The question it answersHow much would I save by tax-loss harvesting my Bitcoin?

Rules: United States. Privacy: runs in your browser. What you enter stays on your device unless you copy a share link, which puts your inputs in the link.

The 12% and 35% brackets each cross a long-term rate line, so each has two choices. 2026 lines on taxable income: 0% up to $49,450 single or married filing separately, $66,200 head of household, $98,900 joint; 15% up to $545,500 single, $306,850 married filing separately, $579,600 head of household, $613,700 joint; 20% above that (IRS Rev. Proc. 2025-32).

NET TAX SAVINGS
$0
···
UNREALIZED POSITION
$0
GROSS TAX OFFSET
$0
BEFORE & AFTER
BEFORE HARVEST
AFTER HARVEST + REBUY
WASH-SALE RULE STATUS ×DON'T TRUST, VERIFYClaim: Wash-sale rule does not currently apply to Bitcoin per IRS treatment of virtual currency as property.Verify at: IRS Notice 2014-21 ↗ · congress.gov for pending legislation ↗ Source 2 in the list belowSeveral bills have proposed extending wash-sale rules to crypto. Verify current law before acting.

The wash-sale rule does not currently apply to Bitcoin. You can sell at a loss and immediately rebuy at the same price and still claim the tax loss. This could change. Several bills have proposed extending wash-sale rules to cryptocurrency. Verify current law before acting.

Estimate, not tax or legal advice. It applies the current rules listed in the assumptions to the numbers you enter. Details this tool does not model can change the result.

What this tool assumes
  • Wash-sale rule: you cannot buy substantially identical security 30 days before or after.
  • Harvested losses offset capital gainscapital gainsThe profit from selling an asset for more than you paid for it. Taxed differently depending on how long you held the asset. first, then up to $3,000 of ordinary income per year.

Not financial or tax advice. US tax law.

HOW THIS IS CALCULATED

This tool runs entirely in your browser: no data is sent to any server. The assumptions and default values behind the result are listed under “What this tool assumes” on this page. Verify the methodology or inspect the source code in your browser's dev tools.

Where to go from here

Read next

Bitcoin Tax-Loss Harvesting

Sell at a loss, claim it, rebuy the same minute. The wash sale rule does not apply.

Explore further
  • Tax-Loss HarvestingHow to harvest investment losses to offset gains. The wash-sale rule for stocks.
  • Bitcoin Cost Basis MethodsThree methods. Different tax. The IRS now requires per-wallet tracking starting tax year 2025.
  • Bitcoin Cost Basis TrackerLogs Bitcoin purchases in the browser and shows weighted average cost basis, total BTC, unrealized gain or loss, and break-even price.

Sources

Verify badges in the text link to these sources. Figures, rates and rules change: check each source’s date before acting on it.

  1. Internal Revenue Service, IRS Topic 409 ↩
  2. Internal Revenue Service, IRS Notice 2014-21 ↩

Calculators are educational estimates, not financial advice. Disclosures · How pages are reviewed