Household Tax Opportunities
Household Tax Opportunities for harvesting and wash-sale review
Review potential losses and gains, embedded gains, tax-bracket room, distance to the net investment income tax (NIIT) threshold, and wash-sale risk from saved household lots.
The diagnostic reads saved household lots and surfaces candidates for review. It does not create trades or a saved analysis.
What the diagnostic surfaces
- Harvestable losses using cost basis as the percentage denominator.
- Gain-harvest candidates and embedded-gain exposure from saved lots.
- Wash-sale warnings that separate already-triggered violations from forward replacement risk.
Tax context shown in the workflow
- Headroom to the next federal bracket when you select current 2026 or historical brackets.
- Distance to the NIIT threshold when the bracket mode supports it.
- Snapshot staleness and member-account warnings so users know when the diagnostic may be incomplete.
How it fits with the household workflow
Household Tax Opportunities is a read-only diagnostic. It pairs with Household Setup for saved accounts and lots. It also pairs with the Household Allocator when the next step is a reproducible backtest or trade-plan simulation.
Interpretation boundary
The page does not recommend a transaction, determine tax filing treatment, or replace professional review. It surfaces candidates and assumptions that need inspection.
FAQ
- Does this tool harvest losses or place trades for me?
- No. It is a read-only diagnostic that surfaces tax candidates from a saved household and its latest holdings snapshot. It intentionally avoids trade-execution actions and does not place or recommend trades.
- What does it surface?
- Four classes of candidates: harvestable losses that clear the account thresholds, gain-harvest candidates that fit estimated LTCG bracket room, and embedded gains flagged on concentration. It also flags wash-sale risk for each loss candidate.
- Does it decide which replacement security is substantially identical?
- No. Wash-sale matching is ticker-exact plus the household's configured substitute map. It can surface wash-sale warnings, but it does not determine whether a replacement security is substantially identical under the IRS rules.
Related pages
Household Portfolio Tax Simulation
See how household accounts, lots, RMDs, and live strategy monitoring fit together.
Tax-loss harvesting replacement finder
Connect lot diagnostics to factor-matched replacement research.
Household docs
Household setup, tax opportunities, and allocator workflow.
Household
Review saved accounts, lots, and allocation drift.
Tax-Aware Backtesting
See how taxable-account assumptions affect backtests.