Harvest losses, lower your tax bill
A $250K portfolio saves ~$5,000/year in taxes through tax-loss harvesting. Harvest IY scans your portfolio daily and alerts you to harvesting opportunities.
You'll get an alert like this when we spot an opportunity
Based on a Monte Carlo simulation of a $250K diversified portfolio at 30% tax rate. Calculate your savings →
Works with 27+ brokerages
Including Fidelity, Schwab, Vanguard, E*TRADE, Robinhood, and 4+ more
Estimates powered by Monte Carlo simulation
The same methodology used in quantitative finance and options pricing
Tax-loss harvesting saves real money. Doing it by hand is a grind.
Scanning lots for unrealized losses, watching for wash sales across accounts and brokerages, tracking 30-day wash sale windows...
Watch the market for dips
Check your positions over and over
Track dates to avoid wash sales
Miss the window — or worse, trigger a wash sale
Estimate Your Savings
How much could you save?
Adjust the sliders to match your situation. This estimate is powered by a Monte Carlo simulation — the same methodology used in quantitative finance.
Total value across all brokerage accounts
Federal + state. Short-term rate (ordinary income)
Estimated Annual Tax Savings
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Calculating...
Pricing
Save time and never miss another tax loss
Starter
$360
$190
/year
- ✅Detect tax-loss harvesting opportunities
- ✅Unlimited notifications
- ✅Connect unlimited accounts
- ⚠️Combined balance of connected accounts limited to $300k
Unlimited
$600
$390
/year
- ✅Detect tax-loss harvesting opportunities
- ✅Unlimited notifications
- ✅Connect unlimited accounts
- ✅No balance limits
FAQ
Frequently Asked Questions
- Tax-loss harvesting is when an investor sells a security for a loss in order to reduce their income taxes. You can read more about this strategy on Investopedia: Tax-Loss Harvesting.Always consult a tax professional to help you decide whether a particular tax strategy may be right for you!
- Tax-loss harvesting with replacement is when an investor sells a security for a loss and uses the proceeds to buy another security in order to maintain a similar long position. Typically, an investor will select a replacement security whose returns are expected to be similar to the original security that was sold. That way, the investor reaps the tax benefits of tax-loss harvesting while maintaining a long position in the market.For example, if an investor has losses on a position lot in ITOT (an ETF that tracks the S&P Total Market Index), they can sell the ITOT lot and use the proceeds to buy SPTM (an ETF that tracks the S&P Composite 1500 Index). SPTM has a historical correlation of 0.94 with ITOT.The realized losses from the ITOT sale can reduce the investor's income taxes, but they still maintain a long position in a broad US equity ETF (SPTM).Always consult an investment professional to help you decide whether a particular strategy may be right for you!
- It's pretty simple!
- ● Sign up for Harvest IY and connect your brokerage accounts.
- ● We scan your accounts every day for any unrealized capital losses on positions held longer than 30 days.
- ● If we find any, we send you an email with the details.
- ✅ AJ Bell
- ✅ Alpaca
- ✅ Binance
- ✅ Bux
- ✅ Chase
- ✅ Coinbase
- ✅ CommSec
- ✅ DEGIRO
- ✅ E*TRADE
- ✅ Empower
- ✅ Fidelity
- ✅ Interactive Brokers
- ✅ Public
- ✅ Questrade
- ✅ Robinhood
- ✅ Schwab
- ✅ Stake Australia
- ✅ TD Direct Investing
- ✅ TradeStation
- ✅ Tradier
- ✅ Trading212
- ✅ tastytrade
- ✅ Upstox
- ✅ Vanguard US
- ✅ Wealthsimple
- ✅ Webull US
- ✅ Wells Fargo
- ✅ Zerodha
- ⬜ Want to connect another financial institution? Contact us
- ● We store the minimum data necessary to identify tax loss harvesting opportunities in your portfolio and notify you about them.
- ● We also store the minimum data necessary to determine your billing tier such as the account balance for each connected account.
- ● Your data is stored securely in our cloud database.
- ● Whenever practical, we purge data that is no longer needed. i.e. When it will not interfere with the proper functioning of the application.
- ● We do not share your data with anyone else.
- ● Questions or concerns about our data practices? Contact us
- Short answer: No. Harvest IY is a tool that provides information about your portfolio. We are not a registered investment advisor (RIA).Long answer: According to the Investment Advisers Act of 1940, an "investment advisor" is any firm that:
- ● for compensation;
- ● is engaged in the business of;
- ● providing advice to others or issuing reports or analyses regarding securities.
Harvest IY is not considered an investment advisor because:- ● We send our users informational notifications, not advice.
- ● These notifications are provided for free (i.e. no compensation).
- ● We only receive compensation for other features such as the number of connected accounts being scanned and their combined balance.
- Harvest It Yourself!Because we help investors who want to DIY their tax-loss harvesting.
- To inquire about the free tier, email us.
- Yes! You can request a refund within 7 days of your purchase. Reach out by email.
- Cool, contact us by email
Built by a self-directed investor
I started my career on a debt capital markets desk at Deutsche Bank in New York. These days I'm a passive index fund investor, a follower of Bogle and Malkiel, managing my own portfolio across multiple brokerages.
I built Harvest IY because tax-loss harvesting by hand was eating my time. Checking wash sale windows across accounts, finding correlated replacement funds, keeping track of what I sold and when. I probably missed more opportunities than I caught. I wanted a tool that would just watch every day and alert me when there was something worth harvesting.
No robo-advisor, no AUM fees, no handing over control of your accounts. Just timely alerts so you can make your own trades with confidence.
— Andrew, founder of Harvest IY