Tax-Loss Harvester

Loss candidates · Wash-sale flags

Chicago · --:--

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This flags where to look. It cannot tell you that you are clear.

It is not tax advice and computes no tax figure. A flagged loss may be disallowed — your preparer decides.
It matches the exact ticker only. “Substantially identical” has no bright line: options on the same underlying count, two S&P ETFs are contested, and the IRS has never fully defined it.
It cannot see accounts you do not log here — a spouse’s account, an IRA, a brokerage you never linked. The rule spans all of them.
A repurchase inside an IRA is the worst case: the loss is disallowed permanently, because there is no taxable basis to add it to.

⚙️ Inputs

Accepts either **position-level** rows or **lot-level** rows. Add purchase dates to flag potential wash-sale windows.

Target Harvest Loss ($)

Tax Rate on Capital Loss %

Min Lot Value ($)

📥 Holdings CSV (positions or lots)

Lot-level alt format: ticker,lot_id,qty,current_price,cost_basis,purchase_date

🔁 Replacement Map CSV (optional)

Used to avoid **substantially identical** buys. You decide what’s acceptable.

Wash-sale heads up: If you buy the same or “substantially identical” security within ±30 days of the sale, the loss can be disallowed and added to basis. This tool only highlights potential risks based on dates and your replacement map; it’s not tax advice.

📊 Plan Summary

Total Unrealized Loss

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Planned Harvest Loss

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Est. Tax Savings

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Lots to Trade

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Earliest Rebuy Date

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Ticker	Lot	Qty	Price	Cost	Unrealized	Action	Replacement	Wash Risk	Notes