How Much Could You Save?

Bitcoin's volatility isn't just risk—it's opportunity. Every dip is a chance to harvest tax losses while maintaining your position. See what that means for your portfolio.

Your Investment

$5,000
$1,000$100,000

2024 single filer: $191,951 - $243,725

10 years
5 years20 years

Estimated Tax Savings

Total savings over 10 years

$17,395

Against capital gains (stocks, crypto, real estate)

$9,600

Against W-2 income only (capped at $3k/year)

Annual Investment

$60,000

Est. Annual Losses Harvested

$3,600

Year 1 Tax Savings

$1,152

Your Tax Rate

32%

Year-by-Year Projection

Year 1
$1,152($1,152 total)
Year 2
$1,498($2,650 total)
Year 3
$1,843($4,493 total)
Year 4
$1,843($6,336 total)
Year 5
$1,843($8,179 total)
Year 6
$1,843($10,022 total)
Year 7
$1,843($11,866 total)
Year 8
$1,843($13,709 total)
Year 9
$1,843($15,552 total)
Year 10
$1,843($17,395 total)

Assumes monthly DCA with ~60% of lots qualifying for harvest based on historical BTC volatility. Actual results vary based on timing and market conditions.

How We Calculate Your Savings

1

Track Your Lots

Each time you buy Bitcoin, it creates a "lot" with a specific cost basis. We track every lot individually to identify harvesting opportunities.

2

Identify Losses

When Bitcoin dips, some of your lots fall below their purchase price. Historically, BTC experiences 10-15 significant dips (8%+) per year.

3

Harvest & Rebuy

We sell the losing lot and immediately repurchase. You keep your Bitcoin position but lock in a tax-deductible loss. No wash sale rules for crypto.

Our Assumptions

These estimates are based on historical Bitcoin volatility patterns. Your actual results may vary.

Historical Volatility

  • • Bitcoin averages 10-15 dips of 8%+ per year
  • • Average recoverable loss per qualifying lot: ~10%
  • • Approximately 60% of lots qualify for harvesting annually

Tax Assumptions

  • • Short-term capital gains taxed as ordinary income
  • • Losses offset gains dollar-for-dollar
  • • Up to $3,000 in excess losses deductible against income

See YOUR Real Savings

These are estimates. Connect your exchange with a read-only API key to see your actual harvestable losses — no trade permissions required.

Read-only keys cannot move funds. Free to try, upgrade anytime.