Tax-Lot Optimization

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

TOTAL VALUE
$187,388
UNREALIZED GAIN
$-7,517
EST. TAX LIABILITY
$1,544
HARVESTABLE LOSSES
$12,452
Gains Breakdown
Short-Term Gains
$3,275
Long-Term Gains
$1,659
Harvestable Losses
$12,452
Tax Loss Harvesting

Sell these positions to realize losses and offset gains.

META
52 shares @ $417.27
$-3,150
Short-term
MSFT
48 shares @ $442.67
$-3,092
Long-term
META
33 shares @ $396.74
$-1,321
Short-term
MSFT
28 shares @ $421.20
$-1,203
Long-term
NVDA
21 shares @ $547.24
$-1,093
Short-term
Approaching Long-Term

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

No lots approaching long-term status.
Tax Lot Details
SymbolSharesCost BasisCurrent PricePurchase DateHolding PeriodUnrealized GainTax Impact
AAPL
Apple Inc.
16$210.66$178.503/30/2024Long-term$-514.56
(-15.3%)
+$95.19
AAPL
Apple Inc.
34$155.69$178.507/30/2025Short-term+$775.42
(+14.6%)
-$286.90
AAPL
Apple Inc.
49$174.24$178.5012/1/2023Long-term+$208.95
(+2.4%)
-$41.79
MSFT
Microsoft Corp.
48$442.67$378.252/21/2025Long-term$-3092.21
(-14.6%)
+$572.06
MSFT
Microsoft Corp.
28$421.20$378.253/31/2024Long-term$-1202.74
(-10.2%)
+$222.51
GOOGL
Alphabet Inc.
28$152.85$141.8010/9/2025Short-term$-309.47
(-7.2%)
+$57.25
GOOGL
Alphabet Inc.
13$127.34$141.807/12/2025Short-term+$187.96
(+11.4%)
-$69.55
GOOGL
Alphabet Inc.
39$127.85$141.808/3/2024Long-term+$543.96
(+10.9%)
-$108.79
AMZN
Amazon.com Inc.
15$115.66$153.408/30/2025Short-term+$566.17
(+32.6%)
-$209.48
AMZN
Amazon.com Inc.
53$156.77$153.404/8/2024Long-term$-178.38
(-2.1%)
+$33.00
Tax-Efficient Rebalancing Settings

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 $3,000

By harvesting available losses this year