Tax-Loss Harvesting Tracker Excel Template

Maximize After-Tax Returns Through Strategic Tax Management

Tax-loss harvesting can add significant value to your portfolio by reducing taxable gains while maintaining investment exposure. Our Tax-Loss Harvesting Tracker systematically identifies opportunities to realize losses, avoid wash sales, and optimize your tax situation year-round.

From individual stocks to mutual funds and ETFs, track cost basis, harvest losses at optimal times, and manage carryforwards strategically. Built for both individual investors and financial advisors, this template helps you keep more of your investment gains through intelligent tax planning.

Systematic Tax-Loss Harvesting Framework

Loss Opportunity Identification

Automatically identify positions with unrealized losses that can be harvested for tax benefits. The template ranks opportunities by loss amount, holding period, and tax efficiency to prioritize the most valuable trades.

Wash Sale Avoidance

Track wash sale rules across all accounts and security types. The template prevents you from violating the 30-day wash sale rule and helps you find suitable replacement securities that maintain portfolio allocation.

Capital Gains Optimization

Optimize the timing of loss harvesting to offset capital gains from other investments. Balance short-term and long-term gains with appropriate losses to minimize overall tax liability.

Loss Carryforward Management

Track unused losses that can be carried forward to future years. The template helps you plan multi-year tax strategies and ensures you don't lose valuable tax benefits due to poor record-keeping.

Tax-Efficient Portfolio Management

Multi-Account Coordination

Coordinate tax-loss harvesting across taxable accounts, IRAs, and 401(k)s. The template ensures you don't trigger wash sales between different account types and optimizes asset location for maximum tax efficiency.

Replacement Security Selection

Identify appropriate replacement securities that maintain your desired asset allocation while avoiding wash sale violations. The template suggests ETFs, index funds, and individual securities with similar risk-return profiles.

Cost Basis Tracking

Track cost basis across multiple purchase lots using FIFO, LIFO, or specific identification methods. Optimize which lots to sell to maximize tax benefits while maintaining investment objectives.

Tax-Efficient Rebalancing

Integrate tax-loss harvesting with portfolio rebalancing to maintain target allocations while minimizing tax impact. The template identifies opportunities to rebalance using harvested losses and new contributions.