See exactly where you stand, then decide.
Enter your holdings and your entry prices. This tool shows your real loss, exactly how far the market must climb just to get you back to even, how your risk changes if you hold long tail coins, and, where your country allows it, the present value of harvesting the loss. Then you decide. For some people the honest answer is to hold.
Educational only. Not tax, legal, or financial advice. Join Crypto XLNCStart your application Your numbers never leave your browser. Nothing you enter is sent to any server.What this tool actually does
This portfolio decision tool takes your crypto holdings and your entry prices and shows you the truth of where you stand, so you can reach your own decision about whether to hold as you are or reset into a top ten, drawdown managed posture.
It states your real unrealized loss in your own currency, then the part most people underestimate: the break even asymmetry. A position down 50 percent needs a 100 percent gain to recover, and a position down 80 percent needs 400 percent, because the climb back is always steeper than the fall. The tool marks your real number on that curve.
It then classifies your holdings by market rank, because assets outside the top tier have a poor historical record of ever returning, and some never do. Where your country allows it, the tool estimates the present value of harvesting the loss, with the honest caveat that this is partly deferral rather than free money.
It is jurisdiction aware, so a person in the United Arab Emirates and a person in the United States see different paths. For some people the right answer is to hold, and this tool will say so. Nothing here is tax or financial advice. Break even math: arithmetic on your own inputs.
Five things this tool makes concrete
- The climb back is steeper than the fall. Down 50 needs plus 100. Down 80 needs plus 400. Your real aggregate hurdle is computed from your own numbers, not a slogan.
- Holding a portfolio is an active bet, not a neutral pause. Keeping a coin is the same decision as buying it again today at this price.
- Recovery is not evenly likely. Top ten assets have repeatedly come back across cycles. Long tail and dead coins often do not, and some never return.
- Harvesting a loss is partly deferral, not free money. Buying back lower resets your cost basis lower and raises the future taxable gain. The benefit is the present value of cash freed now.
- The defensible edge of a reset is mathematical, not predictive. A shallower future drawdown means a lower future recovery hurdle. No one here projects returns or times tops.
Choose where you are taxed
Your country of tax residence rewrites the rest of this page. This is a jurisdiction aware decision engine, not a tax tool with a country filter. We detect nothing by default. Please choose.
This sets your currency, your number formatting, and which path the tool shows you. Every rule is current as of mid 2026 and flagged to verify with a local professional before you rely on it.
Prices and totals are shown in this currency. Quick mode does no lookups at all.
Jurisdiction
Select a country to see how the loss harvesting path applies to you.
Enter your portfolio
Quick mode needs three numbers and stays entirely offline. Detailed mode reads a live top of market list once to fill current prices, and never transmits your amounts. You can switch any time.
About 60 percent in the top 10, about 40 percent outside it.
Stablecoins are already liquid, so leave them out of these totals. They are not a loss to recover.
Assumptions you can change
These are conservative estimates, clearly labelled as estimates. Adjust them to your situation. They drive only the tax and the hold versus reset modules, never the break even math.
The Crypto XLNC fee is a 20 percent performance fee on net new trading profits only, with a high water mark, and no management or subscription fee. Because it only applies to profits above your prior high, it does not act as a fixed drag, so the comparison below nets it out honestly rather than projecting any return. Source: Crypto XLNC.
Where you stand
No selling, no pitch. Just your cost basis, your current value, and your unrealized loss, in your own currency. Stablecoins are excluded because they are already liquid.
View the data
| Measure | Formula | Your figure |
|---|---|---|
| Cost basis | sum of amount times entry price | enter your portfolio |
| Current value | sum of amount times price now | enter your portfolio |
| Unrealized loss | cost basis minus current value | enter your portfolio |
| Loss fraction | 1 minus value divided by basis | enter your portfolio |
The gap between the fall and the climb back
This is pure arithmetic, fully defensible, and the part most people underestimate. A drawdown and its recovery are never symmetric. The deeper the hole, the steeper the climb out, and it rises non linearly.
View the data
| Drawdown | Gain required to break even |
|---|---|
| Down 10 percent | plus 11 percent |
| Down 25 percent | plus 33 percent |
| Down 50 percent | plus 100 percent |
| Down 70 percent | plus 233 percent |
| Down 80 percent | plus 400 percent |
| Down 90 percent | plus 900 percent |
| Your aggregate | enter your portfolio |
Your risk, by tier
Keeping a coin tomorrow is the same decision as buying it today at this price. This splits your holdings against the top ten line, and pairs the break even number with an honest recovery reality check. Assets outside the top tier have a poor historical record of ever returning, and some never do.
Where your value sits
View the data
| Tier | Rank band | Your share | Recovery record |
|---|---|---|---|
| Tier A | Top 10 | -- | Strongest historical recovery |
| Tier B | 11 to 25 | -- | Cycle dependent |
| Tier C | 26 to 100 | -- | Uncertain and uneven |
| Tier D | 101 plus or dead | -- | Many never return |
Recovery reality check
View the data
| Asset | Drawdown | Gain to recover | Tier |
|---|---|---|---|
| No positions yet | -- | -- | -- |
The value of harvesting the loss
This module is gated by your country. Where there is no capital gains tax, there is nothing to harvest, and the tool says so and moves you straight to recovery and risk.
Select a country
Choose your country of tax residence above to see how, or whether, harvesting applies to you.
View the data
| Step | Amount | Note |
|---|---|---|
| Harvestable loss | -- | Loss realized if you sell the underwater positions |
| Offset against gains | -- | Applied to same type gains first |
| Against ordinary income | -- | Up to the local annual cap |
| Carried forward | -- | Used in future years |
| Estimated cash value this year | -- | Present value of tax reduced now |
Hold these exact assets, or reset
Side by side, with every fee and spread netted out on both sides, including the Crypto XLNC fee. No projected returns appear anywhere. The strategy reacts to drawdowns and rotates to reduce downside participation. It does not predict or time tops.
Hold what you own
Reset into a top 10 posture
View the data
| Item | Hold | Reset |
|---|---|---|
| Recovery hurdle now | -- | lower, by design |
| Cash freed now | none | -- |
| One off fees and spread | none | -- |
| Ongoing fee | none | 20 percent of net new profits, high water mark |
| If a future fall of 60 percent hits | needs plus 150 percent to recover | a managed fall of 30 percent needs plus 43 percent |
What your own numbers imply
This restates what you entered and what it suggests. It is your decision, not ours. Where holding is the rational move for you, the tool says so plainly.
- Your real loss, your break even hurdle, your tier mix, and where allowed the value of harvesting, will appear here in plain words.
View the data
| Reading | Your figure |
|---|---|
| Unrealized loss | -- |
| Break even hurdle | -- |
| Share outside the top 10 | -- |
| Estimated harvest value this year | -- |
| Where the math points | -- |
Join Crypto XLNC
Automated, non custodial crypto investing that runs directly on your own exchange, supported by real people. Spot only, with a performance based fee. Your assets never leave your own account.
Join Crypto XLNCStart your application An invitation to the platform, not financial advice. Your assets stay in your own exchange account.Questions people ask
What is tax loss harvesting, in plain words?
Tax loss harvesting means selling an asset that is worth less than you paid, so the loss becomes real on paper and can reduce your tax bill. In some countries the loss offsets capital gains, and a limited amount can offset ordinary income, with the rest carried into future years. It is partly a timing benefit, because if you rebuy a similar asset lower your cost basis is now lower, which raises the tax on a future gain. The honest framing is that you are pulling forward cash, not creating it from nothing.
Does harvesting apply in my country?
It depends entirely on where you are taxed. The United States allows an immediate rebuy of the same token today, because the wash sale rule does not currently apply to crypto, although that is under active legislative pressure. The United Kingdom and Canada apply share matching or superficial loss rules, so an immediate rebuy of the same token does not usefully crystallise the loss. Singapore and the United Arab Emirates have no capital gains tax on investment crypto for individuals, so there is nothing to harvest. Germany makes crypto held longer than a year tax free on disposal, so losses only matter inside the one year window. Indonesia is in active flux and must be checked with a local professional first. Select your country above to see your path.
What is break even asymmetry?
Break even asymmetry is the simple, unforgiving fact that the gain needed to recover from a loss is always larger than the loss itself. If an asset falls 50 percent it must rise 100 percent to return to where it started, because the rise is measured from the lower base. Down 80 percent needs a 400 percent gain. The formula is required recovery equals drawdown divided by one minus drawdown. It is exact arithmetic and contains no forecast.
Why does the top 10 matter so much?
Across crypto cycles, the largest networks by market value have repeatedly fallen hard and then recovered, while a long tail of smaller coins fell and never came back. Tiering your holdings by market rank makes that asymmetry visible. It is not a promise that the top ten always recover or that smaller coins always fail. It is a statement about the historical record, which is that recovery is far more common at the top of the market than in the long tail, where permanent impairment is common.
Is this financial or tax advice?
No. This tool is educational. It performs arithmetic on the numbers you enter and explains widely understood mechanics. It does not tell you to buy, sell, or hold anything, it does not predict prices, and it cannot account for your full personal situation. Tax rules vary by country and change over time. Confirm anything that matters with a qualified local professional before you act. Crypto XLNC reacts to market drawdowns and rotates to reduce downside participation. It does not call tops and does not guarantee returns.
Can this tool predict whether I will recover?
No, and it does not try. It shows you the size of the climb back and the historical record of your tier, which is information, not a prediction. The honest value here is clarity, not certainty. The tool hands you the map. You walk the territory.
How this was built, and by whom
Sim Khela is a crypto markets specialist with more than 14 years of experience, who ran a crypto fund for five years. He is the Indonesian Ambassador for the GBBC and Co Founder of Farmsent, and a regular voice across Real Vision, RVIP, Elevation Barn, and GRIM.
Method: every figure this tool shows is computed in your browser from the numbers you enter. The break even and tier math is exact arithmetic with no forecast. Tax figures are clearly labelled estimates, gated by your country of tax residence, and must be confirmed with a local professional. Prices, where used, come from a public market source, and your amounts are never transmitted.
Profiles: LinkedIn, GBBC, Farmsent.
Last updated . Scope: an educational decision tool. It explains mechanics and does arithmetic on your inputs. It is not financial or tax advice, and not a list of assets to buy or sell.
What changed in 2026: first publication. Jurisdiction rules are current as of mid 2026 and flagged to verify with a local professional before publish, Indonesia first. United States wash sale and 1099 DA status is time sensitive and under active legislative pressure.
About Crypto XLNC
Crypto XLNC is automated, non custodial crypto investing that runs directly in your own exchange account through limited, trading only API access. Assets are never pooled and never held by Crypto XLNC. It is spot only, with no leverage, and charges a 20 percent performance fee on net new profits with a high water mark, and no management fee.
The strategies are proprietary. Atreidis responds to price and volume momentum with volume based exits. Katana Catch uses volatility driven entries. The approach reacts to drawdowns and rotates to reduce downside participation. It does not predict or time market tops.
Join Crypto XLNCEntities
- Crypto XLNC
- Crypto XLNC is the automated, non custodial crypto investing service that trades in your own exchange account through limited trading only API access.
- Sim Khela
- Sim Khela is the author, a crypto markets specialist with more than 14 years of experience, Indonesian Ambassador for the GBBC, and Co Founder of Farmsent.
- Atreidis
- Atreidis is a Crypto XLNC strategy that responds to price and volume momentum, with volume based exits.
- Katana Catch
- Katana Catch is a Crypto XLNC strategy built on volatility driven entries.
Plain words glossary
- Cost basis
- The total amount you originally paid for an asset, used to measure gain or loss.
- Unrealized loss
- A loss that exists on paper because the price has fallen, but that you have not locked in by selling.
- Break even asymmetry
- The fact that the gain needed to recover from a loss is always larger than the loss, because the gain is measured from a lower base.
- Drawdown
- The fall in value from a peak, stated as a percentage.
- Tax loss harvesting
- Selling an asset at a loss so the loss can reduce your tax, where the rules of your country allow it.
- Wash sale rule
- A rule in some countries that disallows a loss if you rebuy the same asset within a set window. It does not currently apply to crypto in the United States, but this is under review.
- Market cap rank
- The position of a coin when all coins are ordered by total market value, used here to set tiers.
- Permanent impairment
- When an asset has fallen so far, or is so inactive, that recovery is, in practice, not assured.
Sources
- Break even and tier arithmetic: computed in your browser from your own inputs.
- Market capitalisation rank and current prices: CoinGecko public market data.
- United States loss rules, ordinary income cap, and 1099 DA basis reporting: U.S. Internal Revenue Service. Time sensitive, verify at publish.
- United Kingdom share matching and same day and 30 day rules: HM Revenue and Customs.
- Canada superficial loss rule and capital gains inclusion: Canada Revenue Agency.
- Australia capital gains and wash sale scrutiny: Australian Taxation Office.
- Crypto XLNC model, fee, and strategies: Crypto XLNC.