tax-loss-harvesting

tax-loss-harvesting is a skill for Claude Code, Codex from w95/awesome-claude-corporate-skills. It costs 0 tokens per session (949 once invoked), scanned A, original, MIT.

A method for finding investments sold at a loss in taxable accounts and considering replacement investments. It also tracks wash-sale windows, the period in which buying a similar security can affect the tax result.

In plain words
What is it for?
Use it to identify harvesting candidates, compare short- and long-term losses, estimate tax effects, choose replacement securities, and track wash-sale periods.
Why use it?
It helps organize potential tax-loss sales, connect them with realized gains and losses, and avoid overlooking the wash-sale timing rules.

Skill for Claude CodeCodex

Written for no agent in particular: nothing here depends on one. Also seen: positional $N argument.

Good fit Use it to identify harvesting candidates, compare short- and long-term losses, estimate tax effects, choose replacement securities, and track wash-sale periods.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/w95/awesome-claude-corporate-skills/tax-loss-harvesting
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.

Any agent
npx skills add w95/awesome-claude-corporate-skills --skill tax-loss-harvesting
Clone the repo
git clone --depth 1 https://github.com/w95/awesome-claude-corporate-skills

Made for: Claude Code, Codex.

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-harvesting

README.md
[![agentmods](https://agentmods.dev/badge/skills/w95/awesome-claude-corporate-skills/tax-loss-harvesting/github.svg)](https://agentmods.dev/skills/w95/awesome-claude-corporate-skills/tax-loss-harvesting)
Your own site
<a href="https://agentmods.dev/skills/w95/awesome-claude-corporate-skills/tax-loss-harvesting"><img src="https://agentmods.dev/badge/skills/w95/awesome-claude-corporate-skills/tax-loss-harvesting/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-harvesting

Your own site · 80×15
<a href="https://agentmods.dev/skills/w95/awesome-claude-corporate-skills/tax-loss-harvesting"><img src="https://agentmods.dev/badge/skills/w95/awesome-claude-corporate-skills/tax-loss-harvesting.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 0 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 949 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 $0.00000 $0.00949
Opus 5 $0.00000 $0.00475
Sonnet 5 $0.00000 $0.00190
Haiku 4.5 $0.00000 $0.00095

Measured 12d ago against content hash 5218b23afb53, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

tax-loss-harvesting 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 12d 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.

Origin

Copies of this mod

2 near-identical copies found in the catalogue:

02-finance-accounting/tax-loss-harvesting/SKILL.md · 105 lines

How it starts

The opening of the file, as written. The whole thing — 105 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Tax-Loss Harvesting

description: Identify tax-loss harvesting opportunities across taxable accounts. Finds positions with unrealized losses, suggests replacement securities, and tracks wash sale windows. Triggers on "tax-loss harvesting", "TLH", "harvest losses", "tax losses", "unrealized losses", or "year-end tax planning".

Workflow

Step 1: Identify Candidates

Scan taxable accounts for positions with unrealized losses:

Security Asset Class Cost Basis Current Value Unrealized Loss Holding Period % Loss
ST / LT

Prioritize by:

  1. Largest absolute loss (biggest tax benefit)
  2. Short-term losses first (offset short-term gains taxed at ordinary income rates)
  3. Positions with the largest % loss (less likely to recover quickly)

Step 2: Gain/Loss Budget

Calculate the client's tax situation:

Category Amount
Realized short-term gains YTD
Realized long-term gains YTD
Realized losses YTD
Net gain/(loss) position
Carryforward losses from prior years
Target harvesting amount

Tax savings estimate:

  • Short-term losses × marginal ordinary income rate
  • Long-term losses × capital gains rate
  • Up to $3,000 net loss deduction against ordinary income
  • Excess carries forward

Step 3: Replacement Securities

For each harvest candidate, suggest a replacement that:

  • Maintains similar market exposure (same asset class, sector, geography)
  • Is NOT "substantially identical" (wash sale rule)
  • Has similar risk/return characteristics
Sell Replace With Reason Tracking Error Risk
SPDR S&P 500 (SPY) iShares Core S&P 500 (IVV) Same index, different fund family Minimal
Vanguard Total Intl (VXUS) iShares MSCI ACWI ex-US (ACWX) Similar exposure, different index Low
Individual stock ABC Sector ETF (XLK) Broader exposure, no wash sale risk Moderate

Read the full file on GitHub · 105 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. 12d ago First seen · 105 lines · 0 tokens per session scan A 5218b23afb53

Subscribe to this mod's changes

tax-loss-harvesting is a skill published in the GitHub repository w95/awesome-claude-corporate-skills (198 stars, last pushed 6mo ago), licensed MIT. It costs nothing until one of its globs matches a file; then it loads 949 tokens. 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 2026-08-30.

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