• PROFIT
  • COST
  • LOCAL
  • HUMAN

How to calculate net tax savings with your AI

Connect your portfolio data to your AI client to see which losses actually save you money after fees.

Ask AI about this page

Short answer

How much do I actually save by harvesting losses?

Your net savings depend on the difference between your tax rate and the cost of the trade. Your AI calculates this by comparing the tax shield against transaction friction and your local tax laws. You get a clear breakdown of the real cash impact for every position.

The results you get

Where your analysis lands.

The AI processes your holdings and tax data to produce these specific outcomes.

PROFIT

Net tax shield

The AI calculates the actual reduction in your tax liability. This shows the raw cash you keep by offsetting gains.

COST

Friction analysis

The tool subtracts transaction fees and slippage from your savings. This prevents you from taking trades that cost more than they save.

LOCAL

Jurisdiction check

The AI pulls your specific tax rates to ensure the math matches your local tax code. This keeps the projections accurate to your actual filing.

HUMAN

Execution plan

The AI identifies which positions to sell, but you decide when to pull the trigger. You retain full control over the final trades.

The workflow

What your AI does when the data arrives.

The AI handles the math and tax lookups so you can focus on the strategy.

  1. Identify candidates

    The AI scans your holdings to find positions currently trading below their cost basis. It looks for specific opportunities where a sale makes sense.

    evaluate_harvesting_opportunity

  2. Apply tax rules

    The AI looks up the correct tax rates for your specific location. This ensures the savings calculation isn't just a generic estimate.

    retrieve_tax_rate_by_jurisdiction

  3. Calculate net impact

    The AI combines the tax savings with your estimated transaction costs. It produces a final number representing the real economic benefit.

    evaluate_harvesting_opportunity

  4. Summarize results

    The AI presents a list of the most efficient trades. It highlights which ones offer the highest net benefit after all friction is accounted for.

    evaluate_harvesting_opportunity

Try it

Copy these to start.

Use these prompts to begin your analysis.

Starting points

These are opening lines. Swap the bracketed text with your specific details like ticker symbols or sheet names.

Tax Loss Harvesting Calculator Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_jSCMED19kifpgyPFj9uGc4g1EhRru6u9Swzn5eMr/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — Tax Loss Harvesting Calculator capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "tax-loss-harvesting-calculator-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_jSCMED19kifpgyPFj9uGc4g1EhRru6u9Swzn5eMr/mcp"
    }
  }
}
Copy into chat04

  • Evaluate my current portfolio in [Sheet Name] for tax loss harvesting opportunities.

  • What is my net tax saving if I sell my [Ticker Symbol] position in [Account Name]?

  • Check the tax rates for [State/Country] and tell me if harvesting losses is worth it right now.

  • Compare the tax savings of selling [Ticker A] versus [Ticker B] after accounting for fees.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect Tax Loss Harvesting Calculator once, then ask.

Connect your data source once. Your credentials stay encrypted and private, and you can immediately start asking your AI about your tax strategy.

Connect Tax Loss Harvesting Calculator to your AI

FAQ

How this task behaves

  • 01

    Can the AI execute the trades for me?

    No. The AI identifies the opportunities and calculates the math, but you must manually execute any trades in your brokerage account.

  • 02

    Does it know my exact tax bracket?

    It uses the retrieve_tax_rate_by_jurisdiction tool to find the rates for your area, but you should verify these against your latest tax return.

  • 03

    How does it handle transaction fees?

    The AI factors in the friction you provide to ensure the net savings are realistic.

  • 04

    Will it change my portfolio settings?

    No. This MCP is read-only for your portfolio data. It only performs calculations and analysis.

  • 05

    Can it calculate wash sale implications?

    No. The current tools focus on calculating the immediate net benefit of the harvest itself.

  • More questions about Tax Loss Harvesting Calculator? The Connector page answers them. See everything the Tax Loss Harvesting Calculator Connector can do

Connect Tax Loss Harvesting Calculator to Claude, Cursor, ChatGPT & more