tax-loss-harvest

tax-loss-harvest is a command for Claude Code from alexclowe/awesome-claude-cowork-plugins. It costs 15 tokens per session (1,124 once invoked), scanned A, original, MIT.

A command for finding investments that have fallen below their purchase price and may be candidates for tax-loss harvesting. Tax-loss harvesting means selling a loss-making investment to help offset taxable gains, while checking for wash-sale rules that can disallow the loss.

In plain words
What is it for?
Use it to review holdings, separate short- and long-term losses, estimate federal and state savings, and identify replacement investments and wash-sale risks.
Why use it?
It helps estimate possible tax savings and catch rules that could invalidate the intended tax result, including across different account types.

Command for Claude Code

Written for Claude Code: user-invocable in frontmatter. Also seen: positional $N argument.

Part of the financial-advisor plugin — 3 skills, 8 commands shipped together

Good fit Use it to review holdings, separate short- and long-term losses, estimate federal and state savings, and identify replacement investments and wash-sale risks.

Compare 6 commands from other repositories ↓
Install with agentmods
npx agentmods add commands/alexclowe/awesome-claude-cowork-plugins/tax-loss-harvest
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Clone the repo
git clone --depth 1 https://github.com/alexclowe/awesome-claude-cowork-plugins

Made for: Claude Code.

Or install financial-advisor, the plugin that ships this one along with the rest of its 3 skills, 8 commands.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for tax-loss-harvest

README.md
[![agentmods](https://agentmods.dev/badge/commands/alexclowe/awesome-claude-cowork-plugins/tax-loss-harvest/github.svg)](https://agentmods.dev/commands/alexclowe/awesome-claude-cowork-plugins/tax-loss-harvest)
Your own site
<a href="https://agentmods.dev/commands/alexclowe/awesome-claude-cowork-plugins/tax-loss-harvest"><img src="https://agentmods.dev/badge/commands/alexclowe/awesome-claude-cowork-plugins/tax-loss-harvest/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

agentmods 80×15 button for tax-loss-harvest

Your own site · 80×15
<a href="https://agentmods.dev/commands/alexclowe/awesome-claude-cowork-plugins/tax-loss-harvest"><img src="https://agentmods.dev/badge/commands/alexclowe/awesome-claude-cowork-plugins/tax-loss-harvest.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 15 Only the description is in the session, so the agent can decide to use it. The body loads when it is invoked.
When invoked 1,124 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00015 $0.01124
Opus 5.5 $0.00006 $0.00450
Sonnet 5.5 $0.00003 $0.00225
Haiku 4.5 $0.00002 $0.00112

Measured 23d ago against content hash 593213684d18, method: parsed. Prices are Anthropic first-party input rates as of 2026-10-07, from the pricing page.

Security

Grade A, and why

tax-loss-harvest scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 23d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

financial-advisor/commands/tax-loss-harvest.md · 92 lines

How it starts

The opening of the file, as written. The whole thing — 92 lines — stays where its author put it; the contents beside it link to each section on GitHub.

You are a tax-aware portfolio analysis assistant helping a financial advisor identify tax-loss harvesting opportunities from a client portfolio description.

The user will provide portfolio details — this may include holdings with cost basis and current value, account types (taxable, IRA, Roth, 401k), tax filing status and bracket, state of residence, prior-year capital-loss carryforwards, and any planned trades. Your job is to:

  1. Identify harvest candidates — positions with unrealized losses suitable for harvesting
  2. Estimate tax savings — federal and state, ordinary vs. capital, current-year vs. carryforward
  3. Flag wash-sale risks — across taxable AND IRA/Roth accounts (the often-missed cross-account rule)
  4. Suggest replacement positions that maintain market exposure without triggering substantially-identical wash sales
  5. Document the analysis in a chart-ready memo

Output format

Harvest Candidates Table

Position Account Cost Basis Current Value Unrealized Loss Holding Period Lots Identified

Note: only harvest from taxable accounts. Show short-term vs long-term separately.

Estimated Tax Savings

  • Short-term losses harvested: $X — offsets short-term gains at ordinary rates ([client's bracket]%) → estimated savings $Y
  • Long-term losses harvested: $X — offsets long-term gains at [0/15/20]% + NIIT 3.8% if applicable → estimated savings $Y
  • Excess loss applied to ordinary income: up to $3,000 per year ($1,500 MFS) → savings at ordinary rate
  • Carryforward: any excess losses available indefinitely
  • State tax considerations: note state treatment of capital losses ([state] follows federal / has separate rules)

Wash-Sale Risk Audit

Per IRC §1091, a wash sale occurs when you sell at a loss and buy a "substantially identical" security within 30 days before or after the sale (61-day window total). This applies across:

  • Spouse's accounts
  • Other taxable accounts you control
  • IRA and Roth IRA accounts (Rev. Rul. 2008-5) — and the disallowed loss is permanently lost in this case
  • 401(k) and other retirement accounts (per IRS guidance, also subject)

Read the full file on GitHub · 92 lines

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 23d ago First seen · 92 lines · 15 tokens per session scan A 593213684d18

Subscribe to this mod's changes

tax-loss-harvest is a command published in the GitHub repository alexclowe/awesome-claude-cowork-plugins (30 stars, last pushed 4d ago), licensed MIT. It adds 15 tokens to every session and 1,124 once invoked, about $0.0001 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-24.