Check wash sales in your Fidelity account (including against your Fidelity IRA)
By the Wash-Sale Guardian team · Published 2026-07-14 · Last updated 2026-07-14 · How we check our facts
The most dangerous Fidelity wash sale is the one between your own Fidelity accounts. Sell at a loss in your taxable account while your Fidelity Roth IRA auto-invests into the same fund, and per Rev. Rul. 2008-5 the loss is permanently disallowed — yet it appears on no form Fidelity sends you, because 1099-B wash-sale netting is per-account. Drop your Fidelity CSVs into our free checker (tag the IRA as an IRA) and see it in seconds — in your browser, nothing uploaded.
How to export your Fidelity trade history (CSV)
- Log in → Accounts & Trade → Activity & Orders.
- Select the History tab and the account you want.
- Set the date range and click the Download (arrow) icon → CSV. Export is instant.
- Repeat per quarter: history pulls cover ~90 days each (about 5 years are available). Export the full period you've traded — an honest checker refuses to judge symbols with missing history.
- Repeat for each Fidelity account — taxable AND IRAs — and tag them accordingly in the checker.
Fidelity CSV quirks (what our parser handles for you)
| Quirk | What it looks like | Why it matters |
|---|---|---|
| Verbose actions | "YOU BOUGHT OPENING TRANSACTION CALL (NVDA)…" | Encodes side AND open/close — short legs need different tax handling |
| Negative sell quantities | Quantity "-100" on sells | Naive parsers double-count or mis-sign lots |
| Option symbols, sometimes dashless | "-NVDA260918C500" or "NVDA260918C500" | Misreading one as a stock ticker makes every dollar figure wrong by 100x |
| 2-decimal prices | Price 123.46 (was 123.4567 pre-May-2024) | Cents of basis drift on big fills — reconcile against statements |
| Footer disclaimers | Prose lines after the data | Must be skipped without being confused for trades |
What Fidelity's 1099-B covers
Wash-sale disallowances appear in box 1g for identical securities in the same account. TurboTax forum threads are full of confusion about Fidelity's realized gain/loss displays vs. wash-adjusted figures — the practical rule: your 1099-B is authoritative for same-account washes, and silent about everything across accounts, which is your job on Form 8949 (TurboTax how-to).
Check it free
Open the checker and drop CSVs from Fidelity plus Robinhood, Schwab, IBKR, or E*TRADE. Violations, open danger windows with exact safe dates, IRA-permanent flags, and a CPA-ready year-end summary — free, in your browser (methodology).
Frequently asked questions
Does Fidelity track wash sales across my Fidelity and non-Fidelity accounts?
No. Like every broker, Fidelity adjusts for wash sales only for identical securities within one account on the 1099-B. Even two Fidelity accounts (say, taxable and a Roth IRA) are not netted against each other on tax forms, and other brokers are invisible to it.
How do I download my Fidelity trade history as a CSV?
Accounts & Trade → Activity & Orders → History → set your date range → click the Download (arrow) icon. The export is instant. History pulls are limited to roughly 90 days at a time, so download quarter by quarter to build a full year.
Why is my Fidelity realized gain/loss different from what a wash sale checker computes?
Two common reasons: Fidelity CSV exports round prices to 2 decimals (a change since May 2024), which drifts cost basis by cents on large fills; and Fidelity applies wash-sale adjustments per account while a cross-account checker applies the IRS view across all your accounts.
Does the wash sale rule apply between my Fidelity taxable account and my Fidelity IRA?
Yes — and the loss is permanently disallowed per Rev. Rul. 2008-5, even though both accounts are at Fidelity. Wash-sale reporting is per-account, so neither your 1099-B nor your IRA statements will show it.