Tax diagnostics
Wash sale rule checker
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. It scans the household's recorded purchases inside the 61-day window, including the household's configured substitute map.
What it checks
- Harvestable losses in the household's latest holdings snapshot.
- Purchases of the same ticker inside the 30-days-before to 30-days-after window around a candidate sale.
- Tickers you have marked as substitutes for each other in the household's substitute map.
What it does not decide
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.
Access
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.
FAQ
- Does it know about purchases at other brokers?
- Only if the household records those positions. 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.