US 2028 Tax-Loss Harvesting

Heads up: official 2028 figures have not been announced yet — this tool uses projections from the latest confirmed rates and current law. We update it as soon as official numbers are published.

2028 TLH: harvest losses to offset gains + $3k/yr ordinary income. 30-day wash sale rule applies. ETF swap strategy avoids wash.

Realized gains ($)

Unrealized losses ($)

Cap gains bracket %

2028 Saved

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Carryforward

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Gain offset	—
Ordinary income offset	—
Loss carryforward	—
Total 2028 tax saved	—

Tax-loss harvesting 2028: sell losing investments to offset realized gains + up to $3,000/year against ordinary income. Remaining losses carry forward indefinitely. Wash sale rule: cannot repurchase 'substantially identical' security within 30 days before/after sale — disallowed loss. Use similar-but-not-identical ETF for swap.

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Last updated May 2026. Sources: IRS Pub 550.