Tax-Loss Harvesting

decision desk · FMP live pricing

Tax value is captured only when exposure stays intact

The tax-lot question is practical: what can be sold now, what has to wait, and how much of the tax bill changes. Basis and shares come from the book entered here. Prices, acquisition-date history, and replacement candidates refresh through FMP; each lot then runs against the wash-sale window and the harvest minimum.

as of 2026-06-01 · 30-day wash-sale window · short-term 37% · long-term 23.80% federal

Ready loss now: −$1,752; 2 lots clear the active rules; 0 sit below threshold and 1 are blocked.
Current-year saving: $450; Ready losses cover $1,752 of $5,000 realized gains; $3,248 still uncovered.
Tax alpha: 52 bps; Identified saving of $450 over $86,925 of screened value.
Banked this session: $0; No receipts booked yet; harvests land here.

Tax-lot ticket shelf

AAPL, JPM ready to inspect.

Wash-sale curtain

1 blocked lot clears next on Jun 21 under the 30-day window.

Current-year offset

$1,752 loss applied for $450 estimated federal savings.

Harvest receipt rail

Receipts appear here after a lot is harvested.

Market comparison

The same book under three markets

Gains, threshold, and the wash-sale window hold; only the market move changes. Press a market and the whole desk reprices to it.

Core taxable book5 lots screened

Sample taxable book with stated federal tax inputs; not investment advice.

Move the market, then inspect the harvest queue

The dial moves every screened price; a card turns red when its lot sits under basis. Harvest books the loss, moves the exposure into the replacement fund, and prints an undoable receipt at the active federal rates.

Current-year saving: $450; $3,248 gains still uncovered
Identified saving: $450; Full value of ready lots at active rates
Tax alpha: 52 bps; Over $86,925 screened value
Harvested loss: $0; 0 booked lots

Market

Move the market0%

This move applies to the active prices, including FMP-refreshed quotes once they are loaded. Push the market down and losses surface that a flat market would hide.

Decision rules

Realized gains to offset: $5,000

Minimum loss per lot: $250

Wash-sale window

Live pricing

Waiting for FMP refresh

5 parsed lots are waiting for FMP prices.

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On each card, red runs left of the paid mark when price sits under the cost basis: a harvestable loss.

AAPL120 sh

long · 23.80%

Apple Inc. common stock

now $217.50−$1,500 · −5.4%

JPM80 sh

short · 37.00%

JPMorgan Chase & Co. common stock

now $266.85−$252 · −1.2%

XLU60 sh

long · 23.80%

Utilities Select Sector SPDR Fund

now $77.75−$255 · −5.2%

XLU25 sh

Utilities Select Sector SPDR Fund (recent add)

now $77.75$16 · +0.8%

CAT90 sh

Caterpillar Inc. common stock

now $365.20$423 · +1.3%

Harvest receipt rail

estimated federal tax savings

Nothing banked yet. Press Harvest on a red lot, and the receipt records loss, estimated federal savings, substitute symbol, and rebuy date.

Lot inspector

AAPL · Ready

Ticket state: below basis, outside the wash-sale window, and above the active harvest minimum.

Basis: $27,600; 120 shares at $230
Current value: $26,100; Price $218 as screened
Loss / saving: −$1,500 / $357; Only active for underwater lots

stated 1.00 fallback

FMP replacement candidates

Acquisition-date close: N/A.

N/A until FMP returns an ETF exposure or peer set for this symbol.

Harvest screen

as of 2026-06-01 · 30-day wash-sale window

Lot	Acquired	Term	Unrealized loss	Rate	Est. savings	Status
AAPL · 120 sh	2024-11-12	Long	−$1,500	23.80%	$357	Ready
JPM · 80 sh	2026-01-15	Short	−$252	37.00%	$93	Ready
XLU · 60 sh	2025-03-03	Long	−$255	23.80%	N/A	Blocked until Jun 21

Still harvestable: −$1,752 → $450 in estimated savings at 37% short-term / 23.80% long-term federal rates. Not tax or investment advice.