DividendTracker: Tax-Lot Portfolio Analyzer
AI-powered tool that automatically maps dividend income to specific stock purchases for US tax optimization and qualified dividend tracking.
The Problem
Individual investors struggle to manually track which dividend payments correspond to specific share purchases for tax-loss harvesting and qualified dividend classification. Most brokers show dividend history but don't link it to cost basis or warn when wash-sale rules apply, forcing investors to use spreadsheets or hire CPAs.
Target Audience
Self-directed individual investors with $100K-$5M portfolios who actively trade and receive dividend income but lack sophisticated tax tracking; DIY traders avoiding CPA fees.
Why Now?
IRS scrutiny on retail investor taxes is increasing, and AI can now accurately parse messy broker statements and tax rules in seconds — something that was too error-prone for templates before.
What's Missing
Brokers intentionally keep tax analysis basic to avoid liability; standalone tax software (TurboTax, TaxAct) doesn't integrate real-time portfolio data; portfolio trackers ignore tax-specific dividend logic.
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