Connect Harvest IY to Your AI Assistant

Harvest IY supports the Model Context Protocol (MCP), an open standard that lets AI assistants like Claude securely access your portfolio data. Ask your AI assistant about your tax loss harvesting opportunities, positions, and wash sale risks — without leaving your conversation.

What can you do with the Harvest IY MCP integration?

Once connected, your AI assistant can read your Harvest IY portfolio data and help you reason about tax loss harvesting decisions in context. For example:

  • "Do I have any tax loss harvesting opportunities right now?" — Get your current harvestable lots with loss amounts, holding periods, and wash sale status.
  • "Give me a summary of my portfolio." — See all your accounts, positions, quantities, and unrealized gains/losses.
  • "Which of my losses are long-term vs short-term?" — Your AI assistant can filter and analyze the data for you.
  • "I realized $12k in gains this year. How much could I offset with available harvesting opportunities?" — Combine your portfolio data with other context for personalized analysis.
  • "Which lots are closest to being harvestable?" — Drill into individual tax lots to see which are near breakeven or approaching a loss.

What tools does the MCP server provide?

The Harvest IY MCP server exposes three read-only tools. Your AI assistant can call these tools to retrieve your data — it cannot modify your portfolio or execute trades.

get_portfolio_summary

Returns a complete summary of your investment portfolio: all connected accounts, every position with its symbol, quantity, average cost basis, current market price, and unrealized gain/loss. Includes account metadata like institution, account type, and taxable status.

get_harvestable_opportunities

Returns position lots that are currently eligible for tax loss harvesting — lots with unrealized losses that have been checked for wash sale risk. Each opportunity includes the symbol, account, date acquired, cost basis, unrealized loss, holding period (short-term or long-term), and wash sale risk status. Also returns the total unrealized loss and an estimated tax savings figure at a 24% marginal rate.

get_position_lots

Returns all individual position lots (tax lots) across your portfolio. Each lot represents a specific purchase of a security with its own acquired date, cost basis, and unrealized gain/loss. This is more granular than get_portfolio_summary, which returns aggregated positions. Optionally filter by ticker symbol.

Use this tool when you need lot-level detail — for example, "which lots are closest to being harvestable?", "what is my short-term vs long-term breakdown?", or "which lots have wash sale risk?"

How do I connect Harvest IY to Claude?

  1. In Claude, go to Settings → Connectors.
  2. Click Add → Add custom connector.
  3. Enter a name (e.g. "Harvest IY") and the MCP server URL:
    https://harvestiy.com/api/mcp
  4. Click Add. Claude will walk you through authorizing access to your Harvest IY account.
  5. Once connected, try asking Claude: "Do I have any tax loss harvesting opportunities?"

Is my data secure?

  • OAuth 2.0 with PKCE — Industry-standard authorization. You explicitly grant permission, and you can revoke it at any time.
  • Read-only access — The MCP server can only read your portfolio data. It cannot modify positions, execute trades, or access any other account data.
  • No data stored by your AI — Your portfolio data is fetched on demand during your conversation. It is not permanently stored by the AI assistant.
  • Encrypted in transit — All communication uses HTTPS/TLS encryption.

Frequently Asked Questions

Do I need a paid Harvest IY plan to use the MCP integration?

You need a Harvest IY account with portfolio data. Both free (manual lot entry) and paid (connected brokerage) accounts work with the MCP integration.

Does the MCP server support AI assistants other than Claude?

The MCP server uses the open Model Context Protocol standard. Any AI assistant that supports MCP can connect to Harvest IY. Setup steps may vary by assistant.

Can the AI assistant make trades or modify my portfolio?

No. The Harvest IY MCP server is strictly read-only. It provides portfolio data and tax loss harvesting analysis — it cannot place orders, modify positions, or take any action on your behalf.

What is the Model Context Protocol (MCP)?

MCP is an open protocol that standardizes how AI assistants connect to external data sources and tools. It allows your AI assistant to securely access information from apps you use — like Harvest IY — so it can give you more relevant, personalized answers. Learn more at modelcontextprotocol.io.

How do I disconnect or revoke access?

In Claude, go to Settings → Connectors, find theHarvest IY connector, and remove it. This immediately revokes the AI assistant's access to your portfolio data.