Cross-Broker Wash-Sale Check

A wash sale happens when you sell a stock at a loss and buy the same or a substantially identical security within 30 days before or after the sale. The rule looks at all of your accounts together, including IRAs, but each broker's Form 1099-B only reflects the trades in that broker's own account. If you sell at a loss at one broker and buy the same stock at another, neither form may show it.

The Cross-Broker Wash-Sale Check reads the trade-history CSV exports from each of your accounts and lists stock sales at a documented loss that have a same-stock purchase within 30 days in another account. Fidelity, Robinhood and Interactive Brokers exports are read directly; exports from any other broker work by matching their columns. Option trades, put assignments, purchases in IRAs, sales whose purchase isn't in the files and possible duplicate rows are listed separately for review, because those cases depend on details a CSV can't settle.

Your files are analyzed in your browser. Nothing is uploaded or saved. Loss amounts are shown only when the files establish them, and no tax or disallowed amounts are calculated. This is an educational record review, not tax advice: a missing match doesn't mean there is no wash sale, and your brokers' 1099-B forms and a tax professional are the authority.