All 50 State Calculators
Live federal + state tax rates for capital gains, ordinary income, and AMT. Updated each tax year, never out of date.
Tax Intelligence
Real-Time Tax Math for Every Trade, Every State
Federal + 50-state capital gains, automated tax-loss harvesting with wash-sale enforcement, and after-tax portfolio optimization — so every recommendation is tax-aware before it leaves your screen.
Tax Toolkit
The most tax-aware portfolio platform for US advisors
From lot-level accounting to automated harvesting, Inspolio bakes tax math into every workflow.
Short-Term vs Long-Term
Holding-period aware — Inspolio prefers long-term lots to avoid pushing trades into 37% short-term territory.
Automated Tax-Loss Harvesting
Identifies eligible loss lots, enforces 30-day wash-sale rules, and pairs sells with replacement buys in similar exposures.
Lot-Level Accounting
Choose FIFO, LIFO, HIFO, or specific-lot identification — Inspolio runs the math on every method to find the lowest tax cost.
Capital Gains Optimizer
Stay under a target gain threshold for the year, or harvest to a target loss to offset realized gains elsewhere.
Trade-by-Trade Tax Impact
Every proposed trade shows its federal + state tax cost before you execute — no more after-the-fact surprises.
Federal + 50 States
Real-time tax math for every US client, in every state
Most portfolio tools stop at federal capital gains. Inspolio computes the full federal + state stack live, including NIIT, AMT, and state-specific quirks (e.g. California's flat treatment, no-tax states, transition rules for new residents).
- Short-term and long-term federal capital gains, including NIIT
- All 50 US state capital-gains and ordinary-income brackets
- AMT preference items and adjustments where relevant
- Live recalculation as you mark trades for execution
Tax-Loss Harvesting Engine
Automated TLH with wash-sale enforcement that actually works
Inspolio's TLH engine looks at every tax lot in the portfolio, identifies harvestable losses, enforces the 30-day wash-sale window across the entire household, and proposes replacement buys that preserve the original market exposure.
- Lot-level pairing logic (FIFO, LIFO, HIFO, specific-lot)
- 30-day look-back & look-forward wash-sale enforcement
- Replacement-security suggestions that maintain factor exposure
- Plain-English GPT-4o explanation for client presentations
FAQ
Tax Intelligence FAQ
Tax-Smart Decisions
Stop leaving tax alpha on the table
Inspolio's TLH engine alone has uncovered tens of basis points of after-tax return for clients other tools missed. Run it on your book and see what's hiding.