Tax-Lot Optimization

Minimize tax impact through intelligent lot selection and tax-loss harvesting strategies.

TOTAL VALUE

$184,422

UNREALIZED GAIN

+$9,871

EST. TAX LIABILITY

$4,481

HARVESTABLE LOSSES

$6,617

Gains Breakdown

Short-Term Gains

$6,963

Long-Term Gains

$9,525

Harvestable Losses

$6,617

Tax Loss Harvesting

Sell these positions to realize losses and offset gains.

NVDA

51 shares @ $522.01

$-1,367

Short-term

AMZN

56 shares @ $177.08

$-1,326

Short-term

AAPL

49 shares @ $204.19

$-1,259

Long-term

AMZN

36 shares @ $182.48

$-1,047

Short-term

GOOGL

49 shares @ $162.82

$-1,030

Short-term

Approaching Long-Term

These lots will qualify for long-term rates soon. Consider waiting.

AAPL

38 shares

10 days left

Save ~$179 in taxes

Tax Lot Details

Show all lots

Symbol	Shares	Cost Basis	Current Price	Purchase Date	Holding Period	Unrealized Gain	Tax Impact
AAPL Apple Inc.	38	$150.71	$178.50	3/7/2025	Short-term	+$1055.83 (+18.4%)	-$390.66
AAPL Apple Inc.	40	$128.11	$178.50	1/11/2025	Long-term	+$2015.55 (+39.3%)	-$403.11
AAPL Apple Inc.	49	$204.19	$178.50	12/30/2023	Long-term	$-1258.77 (-12.6%)	+$232.87
MSFT Microsoft Corp.	21	$405.27	$378.25	7/19/2025	Short-term	$-567.46 (-6.7%)	+$104.98
MSFT Microsoft Corp.	21	$339.98	$378.25	10/31/2024	Long-term	+$803.74 (+11.3%)	-$160.75
MSFT Microsoft Corp.	53	$366.27	$378.25	1/23/2025	Long-term	+$634.76 (+3.3%)	-$126.95
GOOGL Alphabet Inc.	49	$162.82	$141.80	5/30/2025	Short-term	$-1029.96 (-12.9%)	+$190.54
GOOGL Alphabet Inc.	42	$128.97	$141.80	8/5/2025	Short-term	+$538.91 (+9.9%)	-$199.39
AMZN Amazon.com Inc.	18	$114.42	$153.40	7/26/2025	Short-term	+$701.71 (+34.1%)	-$259.63
AMZN Amazon.com Inc.	36	$182.48	$153.40	5/10/2025	Short-term	$-1046.81 (-15.9%)	+$193.66

Tax-Efficient Rebalancing Settings

Prioritize Tax Loss Harvesting

Sell lots with losses first to offset gains

Current Tax Rates Applied

Short-term gains:37%

Long-term gains:20%

NIIT (if applicable):3.8%

Tax Optimization Tips

Harvest losses to offset up to $3,000 in ordinary income annually
Wait 31 days before repurchasing to avoid wash sale rules
Prioritize selling long-term lots to benefit from lower rates
Consider donating appreciated securities to charity

Potential Tax Savings

Up to $1,833

By harvesting available losses this year