Tax-loss harvesting · Health scoring · AI explanations

Manage your portfolio like a pro.

ZerreSpace finds tax-loss harvesting opportunities, scores your portfolio's health, generates tax-aware rebalancing plans — and explains every number in plain English. One engine for serious individual investors, advisors and teams.

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No credit card required · Free plan forever

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ZerreSpace dashboard: household value, health score and harvestable losses

Everything in one place

Built for how you actually invest

From a single click to full multi-account oversight.

AI explanations

Every number — explained in plain English. The math is deterministic; the AI only narrates, and a validator guarantees it never invents a figure.

Tax-loss harvesting

Ranked harvest opportunities with a wash-sale check, replacement suggestions and estimated tax benefit — before year end.

Portfolio health score

A decomposable 0–100 score across diversification, tax efficiency, cost, risk and drift — with your top three fixes ranked.

Tax-aware rebalancing

Generate a tax-aware trade plan against your target model with drift and tax impact shown up front. You review and export — nothing is executed.

Model portfolios

Build target models and assign them across every household you manage, so rebalancing always has a benchmark.

CSV import

Bring in holdings, lots and transactions from any broker with a quick CSV import — no manual data entry. Direct broker sync is coming.

Advisor book & teams

Manage many client households, scan the whole book for harvest opportunities, and invite teammates with role-based access and a full audit log.

White-label reports

Generate polished PDF reports — allocation, tax activity and health — with your own branding for client-ready deliverables.

Portfolio Health page: overall 0–100 score, five-factor radar and an Explain score button
A 0–100 health score with a five-factor radar — one click explains it in plain English.
Health sub-scores broken down across diversification, tax efficiency, cost, risk and drift, with top priorities
Every sub-score broken down, with your top three fixes ranked.

One product, two ways to work

Whether it's your money or your clients'

For individual investors

Keep every account on target without a spreadsheet.

  • ✓ Track and rebalance all your accounts in one view
  • ✓ Tax-aware trade plans before you buy or sell
  • ✓ Start on the free plan, upgrade when you need more
See individual plans →

For advisors & teams

Manage many client portfolios with control and audit trails.

  • ✓ Per-seat team billing with role-based access
  • ✓ Your own branding on client-facing reports
  • ✓ Full audit log of every change and action
See team plans →

Pricing

Simple plans that grow with you

Start free. Upgrade any time. Cancel any time.

For individuals

Free

$0

To get started

  • ✓ 1 household (portfolio)
  • ✓ Health score & CSV import
  • ✓ 10 AI explanations / mo
Start free
Most popular

Plus

$12/mo

For active investors

  • ✓ 1 household · unlimited linked accounts
  • ✓ Full tax-loss harvesting
  • ✓ 100 AI explanations / mo
Choose Plus

Premium

$29/mo

For power users

  • ✓ Everything in Plus
  • ✓ Tax-aware rebalancing & asset location
  • ✓ 300 AI explanations / mo
Choose Premium

For advisors & teams

Solo

$99/mo

For independent advisors

  • ✓ Up to 75 client households
  • ✓ Everything in Premium
  • ✓ Branding & PDF reports
  • ✓ Audit log · 1,000 AI expl. / mo
Choose Solo

Team

$149/seat/mo

For firms · minimum 3 seats

  • ✓ Up to 150 households / seat
  • ✓ Model portfolios & white-label
  • ✓ Role-based access & invites
  • ✓ 1,500 AI expl. / seat / mo
Start with Team

Prices in USD; taxes may apply at checkout. AI-explanation quotas are per month (cached explanations are free and don't count); extra explanations are available as add-on packs. Accounts within a household are uncapped.

CSV import

Bringing your portfolio in

Upload one of three CSV shapes. The importer detects which one you sent from the header row — so use these exact column names. Dates are YYYY-MM-DD.

1 · Holdings

Current positions — the simplest start

One row per position you hold today.

Columns: symbol, quantity, market_value, cost_basis, as_of

symbol,quantity,market_value,cost_basis,as_of
VTI,280,58800.00,50550.00,2026-06-28
VXUS,180,10260.00,12560.00,2026-06-28
BND,300,24150.00,24900.00,2026-06-28

2 · Tax lots

Best tax accuracy

One row per lot (a purchase at a given date/price). Powers lot-level harvesting and wash-sale checks.

Columns: symbol, quantity, acquired_at, cost_per_share, cost_basis, external_id

symbol,quantity,acquired_at,cost_per_share,cost_basis,external_id
VTI,100,2023-03-15,165.00,16500.00,lot-vti-001
VTI,150,2024-11-20,190.00,28500.00,lot-vti-002
VTI,30,2025-09-18,185.00,5550.00,lot-vti-003

3 · Transactions

Full trade history

One row per trade. type is buy, sell, dividend, etc.

Columns: symbol, type, quantity, price, amount, trade_date, external_id

symbol,type,quantity,price,amount,trade_date,external_id
VTI,buy,100,165.00,16500.00,2023-03-15,txn-001
AAPL,buy,60,165.00,9900.00,2023-06-01,txn-002
VXUS,buy,80,72.00,5760.00,2023-09-10,txn-003

Good to know

  • ✓ Matching is by header name, not position — column order is flexible, but the names must be exactly as shown.
  • ✓ Any shape may add an optional asset_class column (e.g. equity, bond). Left out, symbols are auto-classified.
  • ✓ Dates use YYYY-MM-DD. Money is a plain number (no currency symbol or thousands separators).
  • ✓ external_id is your own unique id per row — re-importing the same file updates rather than duplicates.

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