Fava Beancount Viewerv0.3.3

Identify securities with unrealized losses and recommend sale order to minimize capital gains tax. Automates wash-sale rule compliance by tracking 30-day windows and cost basis across multiple lots, helping investors offset gains and reduce tax liability.

Analyze current portfolio weights against target allocations (e.g., 60/40 stocks/bonds) and suggest trades to restore balance. Detects cash drag and overconcentration, providing a step-by-step rebalancing plan with tax-aware execution.

Identify substantially identical securities (e.g., VTI vs VTSAX) across accounts to manage wash-sale rules and optimize tax-efficient fund placement. Enables investors to harvest losses without triggering wash sales by recognizing equivalent ETFs or mutual funds.

Determine optimal sell order for appreciated securities to minimize realized capital gains. Analyzes holding periods (short-term vs long-term) and cost basis to prioritize shares with highest cost basis first, reducing immediate tax impact.

Generate comprehensive portfolio snapshots including unrealized gains/losses, dividend income, and expense ratios. Consolidates data from Beancount ledgers to produce actionable insights for periodic review meetings with clients or personal use.

Offer a monthly or annual subscription for individual investors to connect their Beancount instance and get automated tax-loss harvesting, rebalancing, and reporting. Revenue comes from recurring subscription fees.

License the tax optimization engine as a white-label API to Registered Investment Advisors (RIAs) and robo-advisors who integrate it into their own platforms. Revenue is generated through per-account or per-transaction fees.

Provide a free basic portfolio viewer and charge for premium features like detailed tax-loss harvesting reports, wash-sale analysis, and equivalent security identification. Revenue comes from one-time report purchases or monthly unlock.