{"product_id":"tax-loss-harvesting-spreadsheet","title":"Tax-Loss Harvesting Spreadsheet","description":"\u003ch2\u003eTrack Tax-Loss Harvesting Opportunities With a Structured Educational Spreadsheet\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eTax-Loss Harvesting Spreadsheet\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003eis an official companion resource created to support, extend, and enhance the implementation of\u003cspan\u003e \u003c\/span\u003e\u003cstrong\u003eThe Wealth Builder's Guide\u003c\/strong\u003e. This Excel workbook helps investors organize taxable investment lots, track buy and sell transactions, identify potential loss positions, estimate possible tax benefits, and review wash sale risk flags before taking action.\u003c\/p\u003e\n\u003cp\u003eThis spreadsheet is designed for educational tax-loss harvesting planning. Users can configure tax assumptions, enter individual tax lots, log trades across accounts, review harvest candidates, and monitor a summary dashboard showing available losses, estimated tax benefits, loss positions, wash sale warnings, and short-term vs. long-term tax impact. It is not tax, legal, financial, or investment advice, and users should consult a qualified tax professional before making investment decisions.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eIncludes a Start Here user guide explaining what tax-loss harvesting is and how it may help offset capital gains or up to $3,000 of ordinary income annually.\u003c\/li\u003e\n\u003cli\u003eExplains that tax-loss harvesting is most beneficial in taxable brokerage accounts, not IRAs or 401(k)s.\u003c\/li\u003e\n\u003cli\u003eIncludes wash sale rule guidance, including the 30-day before\/after window and the 61-day period where purchases can trigger the rule.\u003c\/li\u003e\n\u003cli\u003eReminds users that purchases in any account, including IRA, 401(k), taxable accounts, and spouse accounts, may create wash sale risk.\u003c\/li\u003e\n\u003cli\u003eProvides a Settings tab for tax year, federal marginal tax rate, state tax rate, short-term capital gains rate, long-term capital gains rate, combined long-term rate, and wash sale window.\u003c\/li\u003e\n\u003cli\u003eIncludes replacement security mapping notes, with example pairs such as VTI → SCHB, VOO → SPLG, and QQQ → QQMG.\u003c\/li\u003e\n\u003cli\u003eProvides a Lots_Holdings sheet for entering each tax lot separately, including ticker, asset name, purchase date, shares, cost per share, current price, and notes.\u003c\/li\u003e\n\u003cli\u003eUses formulas to calculate total cost basis, current value, unrealized gain\/loss, unrealized gain\/loss percentage, holding period, and term classification.\u003c\/li\u003e\n\u003cli\u003eIncludes a Trade_Log sheet for recording buy, sell, dividend, contribution, withdrawal, or other transaction activity by date, ticker, action, shares, price, and account.\u003c\/li\u003e\n\u003cli\u003eIncludes a Harvest_Candidates sheet designed to show loss positions, applicable tax rate, estimated tax benefit, wash sale risk flag, and action notes.\u003c\/li\u003e\n\u003cli\u003eIncludes a Summary_Dashboard showing key metrics, top harvest candidates, wash sale warnings, and a tax impact summary.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eUse this spreadsheet to create a more organized educational workflow for reviewing potential tax-loss harvesting opportunities before discussing decisions with a qualified tax professional.\u003c\/p\u003e","brand":"CPI Digital Hub LLC","offers":[{"title":"Default Title","offer_id":62047987270002,"sku":null,"price":19.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0888\/6203\/2242\/files\/ChatGPTImageJul15_2026_04_47_44PM.png?v=1784959405","url":"https:\/\/cpidigitalhub.com\/products\/tax-loss-harvesting-spreadsheet","provider":"CPI Digital Hub LLC","version":"1.0","type":"link"}