Crypto Tax-Loss Harvesting Calculator
Tax-loss harvesting is the legal trick of realizing losses to offset gains — and up to $3,000 of ordinary income per year. The calculator shows you which trades give you a realized loss you can use this year. Paste your buys and sells below.
date, type, asset, qty, price_usd. Type is buy or sell. Date is YYYY-MM-DD. Price is total per-unit USD price (not total cost).Form 8949 summary
Per-lot detail, FIFO matched. Copy into your tax software or download as CSV.
Want this for your full wallet, not just pasted trades?
Crypto Clarity AI ($19 lifetime, no subscription) connects your wallets, runs the same FIFO logic across every chain you've used, and gives you a year-end Form 8949 export plus concentration-risk and scam-exposure analysis.
Get the $19 audit →Wash-sale rule (and the crypto loophole)
The IRS wash-sale rule blocks you from claiming a loss if you re-buy the same security within 30 days. As of the 2025 tax year, the IRS still treats crypto as property, not a security, so the wash-sale rule does not currently apply to crypto. You can sell BTC at a loss and re-buy it the same day. Legislation has been proposed to close this loophole — keep an eye on it.
The $3,000 rule
Losses first offset gains of the same type (long against long, short against short), then offset gains of the other type, then up to $3,000 against ordinary income. Anything left over carries forward to future tax years indefinitely.