Tax lots
Gains, losses and when lots turn long-term. Across 17 stock, fund, retirement and crypto positions worth $1,127,281.
Tax lots and gains
Every purchase tracked on its own. Long-term means held more than a year.
Your rates
- Unrealized, long-term
- +$244k
- taxed at the lower rate if sold
- Unrealized, short-term
- +$1,578
- taxed as income if sold now
- Realized in 2026
- +$6,650
- long $6,220 · short $430
- Estimated tax so far
- $1,639
- selling everything today adds about $58.8k
$81 of losses you could harvestLots sitting below cost. Selling them offsets gains elsewhere.
$725 of gains turn long-term within 90 days6 lots. Waiting cuts the rate from 37% to 23.8%, about $96 saved.
$574k is tax-shelteredRetirement accounts. Selling inside them triggers no tax.
Open positions
| Position | Lots | Cost | Value | Long-term gain | Short-term gain |
|---|---|---|---|---|---|
| Vanguard Total Stock Market | 93 | $153,000 | $290,428 | +$137k | +$687 |
| Bitcoin | 73 | $15,800 | $92,828 | +$76.1k | +$891 |
| Apple Inc. | 1 | $12,000 | $39,592 | +$27.6k | $0 |
| Ethereum | 1 | $3,000 | $7,020 | +$4,020 | $0 |
| Vanguard 401(k)sheltered | 95 | $224,600 | $415,354 | +$190k | +$872 |
| Vanguard Total Stock Market ETFsheltered | 2 | $31,050 | $67,777 | +$36.7k | $0 |
| Microsoft Corp.sheltered | 1 | $6,120 | $31,220 | +$25.1k | $0 |
No purchase records for NVIDIA Corp, Chainlink, Uniswap, Polygon, Shiba Inu, Pepe, Example Pixel #4021. Upload the brokerage statement and its lots, holding period and gain appear here.
Sold in 2026
| Position | Bought → sold | Cost | Proceeds | Gain | Term |
|---|---|---|---|---|---|
| Coinbase Global COIN | Nov 21, 2025 → Aug 6, 2026 | $7,300 | $5,880 | −$1,420(−19.5%) | Short |
| Meta Platforms META | Sep 8, 2025 → Mar 19, 2026 | $9,940 | $11,790 | +$1,850(+18.6%) | Short |
| Tesla Inc. TSLA | May 18, 2023 → Feb 11, 2026 | $10,560 | $16,780 | +$6,220(+58.9%) | Long |
Tax figures are estimates from the two rates above, with short-term losses netted against long-term gains. They ignore state tax, wash sales and carry-forwards. Use them to plan, not to file.