No. Only trade columns are uploaded and they are read in memory.

Charles Schwab: what did your trading keep after tax?

Upload your Charles Schwab export to see wash sales (including across accounts and IRAs), estimated federal + California tax by year, and your after-tax result next to the same dollars in Treasury bills or SPY.

Which file to download

Best for a full picture: your transaction history (the History page, Export as CSV).
Best for exact cost basis: Realized Gain/Loss (export as CSV), which carries Schwab's own wash-sale amounts.
For the Year-End Check: your positions with cost basis (or type current prices in).

Schwab marks splits as 'Stock Split' rows and dividend reinvestments as 'Reinvest Shares'; both are handled. Menu names change; look for "Export" or "Download" and choose CSV.

Trade history or realized gain/loss CSV (one per taxable account, up to 5)

IRA or other accounts (wash sales count across all your accounts)

IRA / Roth trade history CSVs (used only to find wash sales; never taxed)

Shares you owned before your first trade in the file

Opening holdings CSV: Symbol, Quantity, Cost Basis, Date Acquired (one row per lot). Used when a sale has no matching buy.

Compare against 3-month U.S. Treasury bills SPY or any fund: upload its daily prices (Date, Close or Adj Close)

Filing status

State

Other taxable income per year (estimate)

More options

Cost-basis method

Short-term loss carryforward at start ($)

Long-term loss carryforward at start ($)

Treat funds tracking the same index (SPY/IVV/VOO, QQQ/QQQM, VTI/ITOT/SCHB...) as the same security for wash sales

Label for this run (optional; saved to your key's history; use initials or a code, not names) Access key (paid plans; leave blank for the free summary)

Stocks and ETFs only (options and short sales are skipped). Your browser removes every column except dates, symbols, actions, quantities, prices and amounts before upload; account numbers never leave your computer. The file is read in memory and never stored.

Questions

Does Charles Schwab's 1099-B already include wash sales?

Only wash sales of the identical security inside that one account. Buys in your other accounts, a spouse's account or an IRA are not on it, but the IRS rule still applies.

Is my file stored?

No. Your browser strips everything except trade columns, and the server reads the rest in memory only.

Options?

Not yet. Option and short-sale rows are skipped and counted in the report.

Charles Schwab is a trademark of its owner. Clearwater Enterprises is not affiliated with Charles Schwab.