Clear Money Guide
Start with the tool
Open the inputs first, then use the guide outline to check assumptions and sources.
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Capital Gains Harvest Window — 0% Room & Spillover Estimator
See how much long-term capital gains (and qualified dividends) you can realize at the 0% rate before you spill into the 15% bracket. Enter the current-year 0% threshold for your filing status.
Inputs
Optional IRMAA guardrail
Enter your current-year cap for your filing status. For full planning and surcharge amounts use the IRMAA Estimator.
What to do next
Use the 0% window first; avoid spilling unless it coordinates with your broader plan. For multi-year bracket planning, see Retirement Tax Windows.
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Run your own numbers. Capital-loss harvest helper — net the gains and losses.