Advanced Tax Modeling
Four models no retail tax-loss harvesting tool offers — the §1014 step-up vs. harvest analysis, tax-gain harvesting in the 0% LTCG bracket to reset basis for free, pairing harvested losses with Roth conversions to model tax-free growth, and a state-aware optimizer that models state non-conformity (NJ, PA, WA and no-tax states) against federal treatment.
Step-Up Inputs
Total Harvest Savings
$0
0 positions to harvest
Total Step-Up Value
$58,372
gains erased at death across 0 positions
| Ticker | Cost | Value | Gain/Loss | Harvest $ | Step-Up $ | Indication |
|---|---|---|---|---|---|---|
METALT | $14,080 | $14,080 | +$0 | — | $5,040 | HOLD · STEP-UP |
DISLT | $20,640 | $20,640 | +$0 | — | $7,388 | HOLD · STEP-UP |
BALT | $14,460 | $14,460 | +$0 | — | $5,176 | HOLD · STEP-UP |
INTCLT | $17,400 | $17,400 | +$0 | — | $6,228 | HOLD · STEP-UP |
WBDST | $5,600 | $5,600 | +$0 | — | $2,005 | HOLD · STEP-UP |
PLTRLT | $3,600 | $3,600 | +$0 | — | $1,289 | HOLD · STEP-UP |
ARKKLT | $7,680 | $7,680 | +$0 | — | $2,749 | HOLD · STEP-UP |
BTC-USDLT | $48,960 | $48,960 | +$0 | — | $17,525 | HOLD · STEP-UP |
ETH-USDST | $20,700 | $20,700 | +$0 | — | $7,410 | HOLD · STEP-UP |
VOOLT | $9,950 | $9,950 | +$0 | — | $3,562 | HOLD · STEP-UP |
Gain/Loss
+$0
Harvest $
—
Step-Up $
$5,040
FMV at Death
$47,680
Gain/Loss
+$0
Harvest $
—
Step-Up $
$7,388
FMV at Death
$69,894
Gain/Loss
+$0
Harvest $
—
Step-Up $
$5,176
FMV at Death
$48,967
Gain/Loss
+$0
Harvest $
—
Step-Up $
$6,228
FMV at Death
$58,923
Gain/Loss
+$0
Harvest $
—
Step-Up $
$2,005
FMV at Death
$18,964
Gain/Loss
+$0
Harvest $
—
Step-Up $
$1,289
FMV at Death
$12,191
Gain/Loss
+$0
Harvest $
—
Step-Up $
$2,749
FMV at Death
$26,007
Gain/Loss
+$0
Harvest $
—
Step-Up $
$17,525
FMV at Death
$165,796
Gain/Loss
+$0
Harvest $
—
Step-Up $
$7,410
FMV at Death
$70,098
Gain/Loss
+$0
Harvest $
—
Step-Up $
$3,562
FMV at Death
$33,694
Harvest: realize the loss now for an immediate deduction. The replacement also steps up at death.
Hold for Step-Up: gaining positions erase all deferred gains at death under §1014.
Hold: 0% bracket — harvesting yields no deduction, so don't reset your basis.
ESTIMATION AND MODELING TOOL — NOT INVESTMENT OR TAX ADVICE. Indications are mechanical computations from the figures you enter; they do not recommend any security as suitable for your situation or create an advisor-client relationship. Consult a qualified CPA, tax attorney, or licensed financial advisor before acting.
Next Step · Multi-Year Projection
You've modeled your scenarios. Now see how these outcomes compound across multiple tax years in the Projection Engine — carryforward tracking, year-over-year savings, and estate-level step-up projections.
ESTIMATION AND MODELING TOOL — NOT INVESTMENT OR TAX ADVICE. These models apply published IRS rules and standard tax formulas to the figures you enter. They do not analyze your situation as an advisory client, recommend any specific security as suitable for you, or create an advisor-client relationship. All harvesting and conversion decisions are made by you. Consult a qualified CPA, tax attorney, or licensed financial advisor before acting on any estimate.