Agent skill · business finance · anthropics
tax-loss-harvesting
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".
Why this skill is useful
Provides detailed workflows and calculations for tax-loss harvesting that the AI wouldn't reliably generate on its own.
What it needs
About 3k tokens when loaded. Last updated 2026-08-04. 34,059 stars on the source repository.
What this skill does
Tax-Loss Harvesting 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 Step 4: Wash Sale Check Before executing, verify no wash sales: Check ALL accounts in the household (taxable, IRA, Roth, spouse accounts) 30-day lookback: Did we buy substantially identical securities in the last 30 days? 30-day forward: Block repurchase of the same security for 30 days Check for dividend reinvestment plans (DRIPs) that could trigger wash sales Document the wash sale window for each trade Securit …
How to use it
Reference it in AdaL, Claude Code, Cursor or any coding agent — nothing to install:
@skills anthropics/tax-loss-harvesting