Tax Diagnostics
Check tax-loss harvesting candidates for wash-sale risk using your saved household's purchase history and the 61-day window.
A wash sale disallows a harvested loss when you buy the same or a substantially identical security within 30 days before or after the sale.
ArthaPilot's Household Tax Opportunities diagnostic flags wash-sale risk for each loss candidate by scanning the household's recorded purchases inside the 61-day window, including the household's configured substitute map.
The IRS standard is substantially identical, and that judgment is not automatable. The checker matches exact tickers plus your configured substitutes; it surfaces warnings, it does not clear a replacement as safe.
The diagnostic is free with a signed-in account and a saved household with holdings. It reads your data; it does not place or recommend trades.
Does it know about purchases at other brokers?
Only if those positions are recorded in the household. Wash-sale rules apply across accounts, including IRAs and a spouse's accounts, so keep the household complete for the warnings to be meaningful.
Can it tell me whether a replacement ETF is substantially identical?
No. It can flag overlap based on exact tickers and your substitute map, but the substantially-identical judgment belongs to you and your tax professional.