Wash-Sale Calculator
Check if your loss is disallowed under the IRS wash-sale rule (§1091). Enter the date you sold at a loss and the date you bought back.
The wash-sale rule applies across all your accounts - but your broker only sees one. Alvest watches every account together and flags a cross-account wash sale before you trigger it.
Wash-sale rule - FAQ
What is the wash-sale rule?
IRS rule §1091: if you sell a security at a loss and buy the same (or substantially identical) security within 30 days before or after the sale, the loss is disallowed for tax purposes. The disallowed loss is added to the cost basis of the replacement shares.
How many days is the wash-sale window?
It is a 61-day window: the 30 days before the sale, the day of the sale, and the 30 days after. A repurchase anywhere in that window triggers the rule.
Does the wash-sale rule apply to crypto?
As of 2025 the wash-sale rule technically applies to "securities" - crypto has historically fallen outside it, though this may change. Alvest flags both so you stay ahead of the rules.
Does it apply across different accounts?
Yes - the rule applies across all your accounts, including IRAs and a spouse's account. This is the trap most trackers miss: your broker only sees one account. Alvest watches all of them together.
What happens to a disallowed loss?
It is not lost - it is added to the cost basis of the replacement shares and the holding period carries over, so you claim it when you eventually sell those shares (outside a wash window).