Track realized capital gains and losses across all asset types for tax planning. Separates short-term and long-term gains, tracks loss carryforwards, and helps estimate your tax liability before year-end.
This tracker includes 4 sections covering everything you need.
Every closed position with gain/loss calculation.
| Asset | Buy Date | Sell Date | Proceeds | Cost Basis | Gain/Loss | Short/Long Term |
|---|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- | --- |
Running totals by category for the current tax year.
| Category | Short-Term Gains | Short-Term Losses | Long-Term Gains | Long-Term Losses | Net |
|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- |
Estimated tax based on your income bracket and gain categories.
| Gain Type | Net Amount | Estimated Tax Rate | Estimated Tax |
|---|---|---|---|
| --- | --- | --- | --- |
| --- | --- | --- | --- |
Unused capital losses that carry to future tax years.
| Tax Year | Net Loss | Used Against Gains | Used Against Income ($3k max) | Remaining Carryforward |
|---|---|---|---|---|
| --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- |
Follow these steps to get the most out of this template.
Record every sale or disposition of an investment, cryptocurrency, or other capital asset.
Calculate the holding period — long-term is 1 year and 1 day or more from purchase to sale.
Net your short-term gains against short-term losses, and long-term gains against long-term losses.
If you have net losses, up to $3,000 per year can offset ordinary income; the rest carries forward.
Before year-end, review your unrealized positions for tax-loss harvesting opportunities.
Active investors and traders who realize gains and losses throughout the year.
Anyone who needs to estimate their capital gains tax liability for quarterly estimated payments.
Investors carrying forward losses from previous years.
People who want to optimize their tax bill through strategic gain and loss realization.
This template is great for manual tracking, but Clarity automates everything for you. Connect your bank accounts, brokerages, exchanges, and wallets and see real-time data without entering a single number.
Short-term gains (assets held 1 year or less) are taxed as ordinary income at your marginal rate (10-37%). Long-term gains (held more than 1 year) are taxed at preferential rates: 0%, 15%, or 20% depending on your taxable income.
Tax-loss harvesting is selling investments at a loss to offset realized gains. You can deduct up to $3,000 of net losses against ordinary income per year. Be aware of the wash sale rule — you cannot buy a substantially identical security within 30 days before or after the sale.
There is no limit on how much capital loss you can carry forward. After netting gains and deducting the $3,000 annual limit against ordinary income, any remaining loss carries forward indefinitely until used.
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