International audienceContext. The observed signatures of winds from X-ray binaries are broadly consistent with thermal winds, which are driven by X-ray irradiation of the outer accretion disc. Thermal winds produce mass outflow rates that can exceed the accretion rate in the disc.Aims. We aim to study the impact of thermal wind mass loss on the stability and lightcurves of black hole X-ray binaries subject to the thermal-viscous instability driving their outbursts. Strong mass loss could stop outbursts early, as proposed for the 2015 outburst of V404 Cyg.Methods. We used an analytical model for thermal (Compton) wind mass loss as a function of radius, X-ray spectrum, and luminosity that was calibrated against numerical simulations. We also...