Identify cryptocurrency positions with unrealized losses that are candidates for tax-loss harvesting. Compare cost basis to current value for each holding.
Tax-loss harvesting works best when you can quickly identify which positions in your portfolio have unrealized losses. This Harvest Opportunity Finder lets you enter multiple crypto holdings with their cost basis and current value, then flags the positions that are candidates for harvesting — along with the potential tax savings for each.
Not every losing position is worth harvesting. Small losses may not justify the transaction costs (gas fees, exchange fees). This tool helps you prioritize which positions offer the most meaningful tax benefit, so you can focus on the opportunities that move the needle.
Use this calculator at regular intervals — especially during market downturns — to identify harvesting opportunities before year-end. The sooner you harvest, the more time you have to realize additional losses if the market continues to decline. This tool is for educational purposes only and is not tax or financial advice.
Crypto traders, long-term holders, and DeFi participants benefit from transparent crypto harvest opportunity finder calculations when planning entries, exits, or portfolio rebalances. Revisit this calculator whenever market conditions shift to keep your strategy grounded in accurate data.
Manually reviewing every position in your portfolio for harvest opportunities is tedious. This tool lets you enter multiple positions at once and instantly see which ones have harvestable losses and how much tax you could save. It prioritizes the biggest opportunities first. Real-time recalculation lets you model different market scenarios quickly, so you can act with confidence rather than relying on rough mental estimates.
Unrealized Gain/Loss per Position = Current FMV − Cost Basis Harvestable = Position where FMV < Cost Basis Total Harvestable Loss = Σ(Basis − FMV) for all losing positions Estimated Tax Savings = Total Harvestable Loss × Tax Rate
Result: $3,000 harvestable from 1 position; $450 savings
Position 1: cost $10,000, current $7,000 = $3,000 loss (harvestable). Position 2: cost $5,000, current $6,500 = $1,500 gain (not harvestable). Total harvestable loss = $3,000. Tax savings = $3,000 × 15% = $450.
The best harvesting candidates are positions with large unrealized losses relative to their transaction costs. A $5,000 loss on Bitcoin is worth harvesting; a $5 loss on a microcap token probably isn't.
Don't wait until December to check for opportunities. Market corrections in Q1-Q3 often present better harvesting windows. Harvesting early in the year also gives you more time to realize additional losses if markets continue down.
Crypto tax software can automatically identify harvesting opportunities across your entire portfolio. Tools like Koinly and CoinTracker can scan hundreds of positions and flag the best candidates based on your tax situation.
Review your portfolio at least quarterly, and more frequently during market downturns. Market dips create new harvesting opportunities that didn't exist before. Setting price alerts can help you identify windows.
Not necessarily. Very small losses may not be worth the transaction fees. Focus on positions where the unrealized loss is meaningful relative to the fees required to sell and rebuy.
Yes. Sell the position to realize the loss, then immediately repurchase. Your holding period resets, but you've locked in the tax loss. The new position starts a new holding period at the current lower price.
You can harvest additional losses on the same position later. Each sale and repurchase resets your basis to the new lower price. This means you can harvest multiple times in a year if the price keeps declining.
Yes. If you hold tokens in DeFi protocols (lending, staking, liquidity pools) at a loss, you can harvest those losses too. The key is knowing your cost basis for each position.
When you sell at a loss and rebuy, your new cost basis is the repurchase price. This is lower than your original basis, meaning you'll recognize larger gains in the future. Tax-loss harvesting defers taxes, not eliminates them.