The AI-powered capital gains calculator built for US and Canadian investors. Automate your capital gains calculations, discover tax-loss harvesting opportunities, and plan year-end transactions — all in a single Excel spreadsheet. Stop overpaying on capital gains tax.
Instant download · US & Canada compliant · Excel 2016+ · Free 2026 updates
Get this template + 3 more in the Finance Pro Bundle — $249 (save $65)
View the Bundle →Automated calculations for short-term and long-term capital gains in both US and Canadian jurisdictions. Handles different tax brackets and inclusion rates.
AI identifies positions with unrealized losses and suggests optimal selling strategies to offset your gains. Respects wash sale and superficial loss rules.
Model different selling scenarios before year-end. See exactly how each transaction affects your total tax bill across federal and state/provincial levels.
Paste your brokerage CSV data and the calculator auto-populates cost basis, holding periods, and gains/losses. Supports major brokerage formats.
Support for FIFO, LIFO, specific identification, and average cost methods. Compare which method minimizes your tax obligation for each position.
Switch between US and Canadian tax rules or run both side by side. Handles 50% Canadian inclusion rate, US capital gains brackets, and cross-border implications.
The Tax Optimizer Capital Gains Calculator 2026 is an AI-powered Excel spreadsheet that transforms how investors handle capital gains taxes. Whether you're an active trader, a long-term investor, or a financial advisor managing client portfolios — this tool automates the tedious calculations, surfaces hidden tax-saving opportunities, and gives you confidence that you're not leaving money on the table.
Built for both US and Canadian tax jurisdictions, the calculator handles the full complexity of capital gains taxation. For US users: short-term vs long-term rates, wash sale rule compliance, tax bracket-aware optimization, and state-level capital gains where applicable. For Canadian users: the 50% inclusion rate, superficial loss rules, and provincial tax considerations. You can run either mode independently or compare both jurisdictions side by side.
The standout feature is the AI-powered tax-loss harvesting engine. It scans your entire portfolio for positions with unrealized losses, then suggests which positions to sell, when to sell them, and in what order to maximize your tax savings. The AI respects wash sale rules (30 days in the US) and superficial loss rules (30 days before and after in Canada), so every suggestion is compliance-safe. It factors in your current tax bracket, your realized gains for the year, and your holding periods to find the optimal strategy.
For year-end tax planning, the scenario modeling tool lets you test different selling strategies before executing. "What if I sell Position A and hold Position B?" The calculator shows the exact tax impact of each scenario, including federal and state/provincial breakdowns. No more guessing whether a trade is worth the tax consequence.
The template includes a transaction import sheet that accepts CSV data from major brokerages. Paste your transaction history, and it automatically calculates cost basis (FIFO, LIFO, specific ID, or average cost), holding periods, and cumulative gains/losses. Everything runs inside Excel — no external APIs, no cloud uploads, no subscriptions. Your financial data stays on your computer.
The Tax Optimizer pays for itself in a single filing season. Get AI-powered capital gains calculations, tax-loss harvesting, and year-end planning scenarios for $79.