See the tax bill before you trade.
Holdharvest shows what a trade will cost you in taxes, across all your accounts, before you place it. You decide, and you trade at your own broker.
Free with your Vanguard export files. Nothing to connect. More brokers coming soon.
Sell to open 2 NVDA Dec 18, 2026 $190 calls at $6.40
Premium $1,280
- 1 Qualified covered call
- Yes. 56 days to expiry, strike above the stock price.
- 2 Wash sales
- None across 3 accounts
- 3 If assigned, Vanguard sells
- 200 shares bought Mar 2019Cost basis$850Long-term gain$38,430Estimated federal tax$9,146
- 4 Choose this lot instead
- 200 shares bought Aug 2024Cost basis$23,600Estimated federal tax$3,732Keeps your oldest shares and saves about $5,414.
Assumes a 20% long-term rate plus 3.8% net investment income tax.
Tax surprises come from what nobody shows you.
Your broker sees one account. A loss you take in your brokerage account can be erased by a purchase in your IRA or your spouse's account, and no 1099 will tell you.
Tax software looks backward. By the time it reconciles your year, the trade is long done.
Private banks look ahead, at a price. Managed strategies charge 0.40% or more a year and take control of your account.
Options raise the stakes. Write a covered call and your oldest, lowest-cost shares can be called away. A few hundred dollars of premium can come with a five-figure tax bill.
How it works
Bring your accounts
Upload CSV exports from your broker, or connect automatically on the full plan. Taxable accounts, IRAs and your spouse's accounts all count.
See the consequences first
Every idea, and every trade you're weighing, shows the shares that would be sold, the gain, the estimated tax, and a better option when there is one.
Decide and trade yourself
Holdharvest never holds your money or places orders. You place the trade at your broker.
What it checks before every trade
- Which shares get sold
- The lot your broker delivers if a call is assigned, the gain it realizes, and a lot to choose instead.
- Wash sales across accounts
- Purchases in your other accounts, your IRAs and your spouse's accounts that would erase a loss. A purchase in an IRA erases it permanently.
- Qualified covered calls
- Whether a call keeps your stock's holding period and dividend treatment intact.
- Holding periods and dividends
- Lots about to turn long-term, and ex-dividend dates that make early assignment likely.
- Where to place the trade
- Which account to use so premium isn't taxed at short-term rates.
Built for investors with real money in taxable accounts.
Maybe you hold stock from your employer, a position that's grown into a big share of your net worth, or an index fund you've owned for a decade. At that size, one trade can cost thousands in tax.
Holdharvest gives you that foresight without handing anyone control of your account.
Every number comes from the tax rules, applied by tested code. AI only explains results in plain English. It never picks trades or calculates tax.
Plans
Free tax check
- Upload your Vanguard export files (more brokers coming soon)
- Which shares an assignment would sell, and the tax
- Qualified covered call check
- Wash-sale check within one account
Full plan
- Automatic import from your brokers
- Every account, including IRAs and your spouse's
- Wash-sale checks across all accounts
- Daily monitoring of open calls, with alerts
- A running record of tax avoided
Pricing announced at launch.