Idle cash sitting at 0%. See where it could go instead.
Checked daily. Invested automatically or with a couple of taps, your choice.
We calculate and recommend accounts that pay more than 0%.
Watched. If checking runs short, we sell tax efficiently and pull funds back to checking to cover bills.
Tax-loss harvesting checked daily.¹
Investing involves risk, including loss of principal. Selling can realize taxable gains. Individual results vary.
Demo account. Figures shown for illustrative purposes only.
Whenever money lands in your account, Advizmo figures out how much is available to invest after bills and buffer.
Moves it. Invests it. Lowers taxable gains.¹
Tracks balances and upcoming bills to calculate how much is available to invest.
Moves idle cash into a Treasury ETF or diversified ETFs automatically. Pulls cash back to checking if running short.
Tax-optimized selling, tax-loss harvesting, automatic rebalancing. The stuff advisers charge 1% for.²
¹ “Lowers taxable gains” refers to tax-loss harvesting and tax-optimized selling features designed to reduce realized gains. Tax-loss harvesting defers tax by lowering your cost basis. Part of the benefit can be permanent when losses offset income taxed at a higher rate than the future gain. Results depend on your circumstances. Not tax advice. Actual results depend on your tax situation, portfolio size, holding periods, income, and state of residence. Individual results vary.
² Per 2024 Kitces Research, 1% is the median AUM fee charged by financial advisers on portfolios up to $1M. Advizmo charges 0.25% AUM annually on invested assets plus a $3/mo subscription, waived once $1,000 is auto-invested. Fee structures differ and are not directly comparable.
³ Investing involves risk, including loss of principal. Selling can realize taxable gains as well as losses.
Your checking account is losing to inflation. Advizmo puts your idle cash to work.
Before Advizmo
No automatic growth
-$200
Estimated loss to inflation,
one year
Checking Account
$10,000 at 0% APY
After Advizmo
Auto-invested in real time
+$675
Hypothetical one-year result
Value can fall as well as rise. You can lose money.
Before inflation. Inflation reduces both figures.
Auto-Invested
$10,000 auto-invested at 7% avg return
The 7% figure is a long-run average. Individual years vary widely. The U.S. stock market fell 37% in 2008.
Tax optimization
Here is what one of those opportunities looks like, start to finish.
One harvested loss, start to finish
Step 1, the sale (For A Loss)
$5,000
Your VTI position is down $5,000. Advizmo sells it and buys a different ETF to keep you invested in the market.
Step 2, offset Your Gains
$5,000
That realized loss offsets $5,000 of capital gains elsewhere in your portfolio. Those gains are no longer taxed this year.
Step 3, the tax REduction
$1,000
At a 20% capital gains rate, that is $1,000 you do not pay this year. Rates vary by income and by state.
Most of the benefit is a deferral. Part of it can be permanent.
The deferred part
Selling at a loss lowers your cost basis in the new position. If it recovers, the gain you eventually report is larger by the same $5,000. The tax is postponed rather than erased, and postponed tax still has value because the money stays invested in the meantime.
The permanent part
When a loss offsets income taxed at a higher rate than the future gain, the difference between those rates is a real saving. A short-term loss applied against ordinary income is the common example. How much of this applies to you depends on your income, your state, and your holding periods.
Illustration only. Figures are chosen to show how the mechanism works and are not a projection of any Advizmo account. Tax-loss harvesting defers tax by lowering your cost basis. Part of the benefit can be permanent when losses offset income taxed at a higher rate than the future gain. Results depend on your circumstances. Not tax advice. Wash sale outcomes depend in part on transactions in accounts Advizmo does not manage, including accounts held by a spouse. Investing involves risk, including loss of principal. Selling can realize taxable gains as well as losses. Individual results vary.
Tax-loss harvesting
Sells positions that are down to realize a loss, then buys a different ETF to keep you in the market.
Tax-lot selection
On every sale, works to identify the most tax-advantageous shares to sell.
Wash sale avoidance
Rotates among a set of ETFs designed to avoid wash sales between your own holdings.
Investing basics
Taxes paid along the way come out of the balance that keeps compounding. The effect is small in any one year and larger over decades. Change the inputs to see it for yourself.
Your assumptions
20 years
Same balance, two rates
Arithmetic at two constant rates. Not a portfolio and not a forecast.
A constant rate is a simplification. Real years vary widely. The U.S. stock market fell 37% in 2008.
Where the math lands
Before drag
7.0%, 20 yrs
$386,968
After drag
6.0%, 20 yrs
$320,714
Difference
1.0 pt of drag
$66,254
About this tool
The tool compounds the starting balance you enter at two constant annual rates, one at the return you set and one at that return reduced by the drag you set. No contributions, withdrawals, advisory fees, subscription costs, or fund expenses are included, and all of those would reduce results over time. Real returns vary year to year and include periods of decline, so a constant-rate model overstates how smooth growth is. The tool considers no specific securities and selects no investments.
Results vary
Outcomes change with each use and over time depending on the inputs you choose. The rates shown are your assumptions, not forecasts. No rate of return is predicted or promised.
Hypothetical in nature
The outcomes this tool generates are hypothetical. They do not represent the performance or expected performance of any account, portfolio, product, or advisory service, including any offered by Advizmo. Investments not considered by this tool may have characteristics similar or superior to any strategy a user has in mind.
Risk
Investing involves risk, including loss of principal. Past performance does not guarantee future results. This is not tax advice and not personalized investment advice.
Where Advizmo fits
Tax drag is the reason tax-loss harvesting and tax-lot selection exist. Advizmo runs both, and how they work is explained in the tax optimization section. Nothing above predicts what any Advizmo account will do.
Demo account. Figures shown for illustrative purposes only.
Feature
Tax-loss harvesting
Calculates available-to-invest amount
Bill monitoring and auto pull-back
Auto cash investing from checking
Tax-lot optimized selling on every withdrawal
Wash sale avoidance with 3-ETF rotation
AI assistant with full account picture
Emergency savings automation
Discount Brokerages
✕
✕
✕
✓
✕
✕
✕
✕
Robo-Advisers
✓
✕
✕
✓
✕
✕
✕
✕
Advizmo
✓
✓
✓
✓
✓
✓
✓
✓
Feature comparison based on publicly available information as of August 17, 2026. Robo-Advisers reflects Wealthfront and Betterment. Discount Brokerages reflects Vanguard and Fidelity. Features shown are those described on each firm’s public website and may not reflect all available services, account types, or recently released features. Firms not named may offer different capabilities. Features and fee structures are subject to change. Advizmo is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.
Advizmo charges an annual advisery fee of 0.25% of assets under management, deducted quarterly in arrears and charged only on invested assets. A separate platform subscription of $2.99 to $14.99 per month applies and is waived once your auto-invest balance reaches $1,000. Competitor advisery fees shown reflect published standard rates and may vary by account size, service tier, or promotion. Comparing advisery fees alone does not reflect total cost, which may include fund expense ratios, trading costs, and other charges that differ across providers.
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future results. The automated features described, including tax-loss harvesting and tax-lot optimization, do not guarantee a profit or protect against a loss in declining markets. Tax-loss harvesting defers tax by lowering your cost basis. Part of the benefit can be permanent when losses offset income taxed at a higher rate than the future gain. Results depend on your circumstances. Not tax advice. Asset allocation and diversification do not eliminate the risk of investment losses.
Paycheck in. Portfolio working.
30-day free trial. Then $5/mo until $1K auto-invested.
Frequently Asked Questions
Start investing. Tax Smart.
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Put your idle cash to work while staying ahead of your bills.
