The Problem
Challenges tax-conscious investors face with their finances
- Tracking cost basis across multiple brokerages and crypto exchanges by hand? Basically impossible
- Wash sale violations sneak up on you when you're trading similar securities across accounts
- Tax-loss harvesting opportunities are invisible without real-time data across all your accounts
- Nobody likes a capital gains surprise at tax time that they didn't plan for
- Different account types (taxable, Roth, traditional) each need different tax strategies
How Clarity Helps
Specific solutions for tax-conscious investors
Problem: Fragmented cost basis
A unified FIFO cost basis engine tracks every lot across all your brokerages and crypto exchanges. One source of truth for all your tax lots.
Problem: Unknowing wash sale violations
Cross-account wash sale detection checks for substantially identical securities across all accounts within the 30-day window. No more accidental violations.
Problem: Invisible harvesting opportunities
See unrealized gains and losses across all accounts at once. Spot positions with harvestable losses before year end.
Problem: Year-end tax surprises
Track realized gains throughout the year so you know your estimated tax liability in real time, not just when 1099s arrive.
Key Features
FIFO Cost Basis Engine
Automatic lot matching across stocks, ETFs, crypto, and options. Every trade covered.
Wash Sale Detection
Cross-account detection of wash sales with automatic basis adjustment.
Tax Report Export
Schedule D, Form 8949, and detailed transaction reports as PDF or CSV.
Multi-Account View
See tax lots across taxable, tax-deferred, and tax-free accounts in one view.
Real-World Use Cases
Identify $15K in harvestable losses across 3 brokerage accounts before December
Check for wash sale violations before selling a stock you also hold in your IRA
Track year-to-date realized gains to estimate quarterly tax payments
Generate Form 8949 covering 800 trades across brokerages and crypto exchanges
Best entry points in Clarity
Start with the surfaces that best match this use case, then connect them back to your actual accounts, holdings, and planning decisions.
Best-fit workflows
Start with these tools
“I was paying taxes on gains I could have offset with losses. Clarity showed me $22K in harvestable losses across my accounts. That's real money I almost left on the table.”
Nathan P.
Active investor and tax optimizer
Frequently Asked Questions
Does Clarity automatically harvest tax losses?
No. Clarity is a tracking tool, not a robo-advisor. It shows you where harvestable losses exist so you can decide what to do and execute trades through your brokerage.
How does wash sale detection work across accounts?
Clarity checks all connected accounts for purchases of substantially identical securities within 30 days before or after a sale. Wash sales get flagged and cost basis is adjusted.
Does Clarity handle crypto tax optimization?
Yes. Crypto trades across exchanges and wallets get the same FIFO cost basis and wash sale treatment as traditional securities.
Can Clarity replace my tax software?
Clarity generates the data and reports (8949, Schedule D) that feed into your tax software or go to your CPA. Think of it as a complement to TurboTax or H&R Block, not a replacement.