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Clarity

All your money, one clear view

© 2026 Clarity

Tax-Conscious Investors

Tax-Optimized Portfolio Tracker

See cost basis, wash sales, and taxable events across every account. Make tax-smart decisions with real-time data, not year-end surprises.

The Problem

Challenges tax-conscious investors face with their finances

  • Cost basis across multiple brokerages and crypto exchanges is impossible to track manually
  • Wash sale violations happen unknowingly when trading similar securities across accounts
  • Tax-loss harvesting opportunities are invisible without real-time cross-account data
  • Year-end tax surprises from capital gains you didn't plan for
  • Different account types (taxable, Roth, traditional) need different tax strategies

How Clarity Helps

Specific solutions for tax-conscious investors

FIFO Cost Basis

Problem: Fragmented cost basis

Unified FIFO cost basis engine tracks every lot across all connected brokerages and crypto exchanges. One source of truth for all your tax lots.

Wash Sale Detection

Problem: Unknowing wash sale violations

Cross-account wash sale detection checks substantially identical securities across all accounts within the 30-day window.

Loss Harvesting View

Problem: Invisible harvesting opportunities

See unrealized gains and losses across all accounts. Identify positions with harvestable losses before year end.

Realized Gains Tracking

Problem: Year-end tax surprises

Track realized gains throughout the year. Know your estimated tax liability in real time, not just at 1099 time.

Key Features

FIFO Cost Basis Engine

Automatic lot matching across stocks, ETFs, crypto, and options. Covers every trade.

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

1

Identify $15K in harvestable losses across 3 brokerage accounts before December

2

Check for wash sale violations before selling a stock you also hold in your IRA

3

Track year-to-date realized gains to estimate quarterly tax payments

4

Generate Form 8949 covering 800 trades across brokerages and crypto exchanges

“I was paying taxes on gains I could have harvested losses against. Clarity showed me $22K in harvestable losses across my accounts. That's real money saved.”

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 make informed decisions 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 are 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 tax software or go to your CPA. It complements TurboTax or H&R Block rather than replacing them.

Related Use Cases

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Crypto Investors

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