The tax-aware automation layer for self-directed investors who want direct indexing on their existing brokerage — without paying a permanent percentage of their wealth.
No broker connection required to start. No card. No mandatory onboarding fee.
Most direct-indexing services charge an assets-under-management fee, usually shortened to AUM. That means they charge a percentage of your whole portfolio every year, often 25 to 40 basis points, for the rest of your life. That is a tax on success: as your account grows, your fee grows with it, whether the service does more work or not. We are software. Pay a flat monthly subscription and keep the upside for yourself.
| Account size | Wealthfront PassivePlus (0.25% assets-under-management fee) | Schwab Personalized Indexing (0.40%) | HarvestEngine Guided ($49/mo) |
|---|---|---|---|
| $100,000 | $250 / yr | $400 / yr | $588 / yr |
| $250,000 | $625 / yr | $1,000 / yr | $588 / yr |
| $500,000 | $1,250 / yr | $2,000 / yr | $588 / yr |
| $1,000,000 | $2,500 / yr | $4,000 / yr | $588 / yr |
| $3,000,000 | $7,500 / yr | $11,500 / yr | $588 / yr |
Annual price ($490 + Stripe fees) compared to the annualized cost of a percentage-of-assets fee. Guided tier shown here. Autopilot is $99/mo, Alpha is $199/mo. Crossover happens at $235K vs Wealthfront and $147K vs Schwab. Above those points, you keep the difference.
OAuth into E*TRADE (Schwab, Fidelity, IBKR coming). We never see your password. Your money stays at your broker, we just read positions and propose trades.
S&P 500, Russell 1000, Nasdaq 100, Dow, or Aristocrats. We design a 60 to 80 stock portfolio that tracks it, customized to exclude what you do not want, like employer stock or sectors you avoid.
Every day we scan for tax-loss-harvest opportunities. You see proposed sells and replacement buys with their tax math. You approve, we execute via your broker. Wash-sale aware. CPA-ready exports.
Tiers are organized by trust and complexity, not account size. Start free with paper trading. Upgrade to Guided when you are ready to put real money behind it.
Try the engine on a paper portfolio. No broker connection, no money at risk.
The core live tier. Direct-indexing TLH on your existing brokerage. You approve trades.
Rule-bound auto-execution. The system runs your policy; you set the rails.
Sharper tools for the complexity-heavy edges. Margin overlay, concentrated stock, RSU planning.
No. We are software. You connect your own brokerage account, you set the rules, and you approve every meaningful action. We never take custody of your money or make discretionary trades on your behalf. The assistant explains, simulates, and executes user-approved rules, it does not tell you what to buy.
Tax-loss harvesting realizes losses that offset capital gains and up to $3,000 of ordinary income each year. By holding 60 to 80 individual stocks instead of one exchange-traded fund, we have many more opportunities to harvest losses on individual names while staying close to the index's overall return. For a $250K taxable portfolio, captured tax savings typically run several thousand dollars per year, depending on your tax bracket and how much volatility your holdings see.
E*TRADE today. Charles Schwab is in active development. Fidelity (read-only) and Interactive Brokers will follow. Multi-broker support is part of the core architecture, not a someday plan.
They charge a percentage of your portfolio every year. We charge a flat monthly subscription. They take custody of your money. We sit on top of the broker you already use. They have a registered investment advisor relationship with you. We are software you license. Different shape, different cost curve.
Cancel any time from your account page. Your portfolio, positions, lots, and tax history all live at your brokerage. They are yours. We do not hold your money or your data hostage. Revoke our broker connection from your broker's website and we no longer have access.
Yes, that is what the free Paper tier is for. We design you a paper portfolio against your chosen index, simulate tax-loss harvesting against historical price data, and show you the tax-savings math you would have captured. When and if you are convinced, you upgrade to Guided and connect your brokerage. No card needed for Paper.
Tokens are encrypted at rest with envelope encryption, a Google Cloud KMS master key wraps each user's tokens, with your user ID bound as additional authenticated data. A database leak alone yields nothing decryptable. Sign-in supports SSO, passwordless email, and SMS-MFA on top.
HarvestEngine is the work of one founder, in private preview. We are optimizing for a tight ideal-customer profile, self-directed investors with $100K to $5M taxable, and growing slowly to keep the product sharp. Reach out at hello@harvestengine.ai if you want a deeper conversation.
Pick an index, watch the engine harvest a year of losses against historical prices, see the tax math. Then decide whether to connect it to a real account.
Try free paper