Beat 3-month T-bills after tax by $50,315
Demo
2024-01-08 to 2025-10-01 · 13 closed lots · single filer, federal + California, other income $150,000
Account 1: Sample transactions, 26 trades
| Your trades | Same dollars in 3-month T-bills | |
|---|---|---|
| Pre-tax gain | $81,340 | $4,722 |
| Estimated tax | $27,437 | $1,133 |
| After-tax gain | $53,903 | $3,589 |
Your trades Same dollars in 3-month T-bills (cumulative after-tax gain at each year end)
61.2% vs 3.7%
4 lots
$15,270 of losses deferred34%
of your pre-tax gainTrading facts
| Winning lots | 53.8% |
| Profit factor (gains / losses) | 12.42 |
| Average / median holding period | 234 / 240 days |
| Share of gains taxed at short-term rates | 100.0% |
| Winning lots sold 300-365 days after purchase (short-term) | 4 lots, $81,060 of gains |
| Estimated tax difference had those lots been long-term | $6,853 |
| Estimated tax difference had all gains been long-term | $7,321 |
Differences are estimates under your stated income and the same tax tables. They describe what happened; they are not advice about future trades.
Charts
Your trades 3-month T-bills (after-tax gain each year)
short-term lots long-term lots (gain per closed lot vs days held)
By year
| Year | Short-term | Long-term | Est. tax |
|---|---|---|---|
| 2024 | $22,120 | $0 | $7,366 |
| 2025 | $64,140 | -$4,920 | $20,071 |
Realized gains by quarter (estimated-tax periods)
| Year | Jan-Mar (due Apr 15) | Apr-May (due Jun 15) | Jun-Aug (due Sep 15) | Sep-Dec (due Jan 15) |
|---|---|---|---|---|
| 2024 | $3,000 | $0 | $0 | $19,120 |
| 2025 | $6,840 | $1,700 | $46,280 | $4,400 |
Large gains in one quarter can mean an estimated-tax payment was due; underpayment penalties depend on your withholding and prior-year tax, which this report does not see.
Lot detail (13 lots)
| Symbol | Qty | Bought | Sold | Proceeds | Basis | Gain | Term | Wash |
|---|---|---|---|---|---|---|---|---|
| NVDA | 100.0 | 2024-01-08 | 2024-03-01 | $8,200 | $5,200 | $3,000 | ST | |
| TSLA | 80.0 | 2024-02-05 | 2024-04-22 | $11,360 | $11,360 | $0 | ST | $3,440 |
| SMCI | 100.0 | 2024-09-09 | 2024-11-14 | $2,100 | $2,100 | $0 | ST | $2,000 |
| TSLA | 80.0 | 2024-05-06 | 2024-12-16 | $37,040 | $17,920 | $19,120 | ST | |
| AMD | 120.0 | 2024-01-16 | 2024-12-20 | $14,880 | $14,880 | $0 | ST | $4,080 |
| META | 40.0 | 2024-03-11 | 2025-02-18 | $28,640 | $19,600 | $9,040 | ST | |
| SMCI | 100.0 | 2024-12-02 | 2025-03-03 | $3,800 | $6,000 | -$2,200 | ST | |
| COIN | 50.0 | 2025-01-21 | 2025-04-07 | $8,750 | $8,750 | $0 | ST | $5,750 |
| AAPL | 100.0 | 2024-06-03 | 2025-04-28 | $21,000 | $19,300 | $1,700 | ST | |
| AMD | 120.0 | 2025-01-02 | 2025-06-02 | $13,680 | $18,600 | -$4,920 | LT | |
| PLTR | 400.0 | 2024-08-05 | 2025-07-14 | $60,400 | $9,200 | $51,200 | ST | |
| COIN | 50.0 | 2025-04-21 | 2025-09-15 | $16,000 | $14,750 | $1,250 | ST | |
| MSFT | 30.0 | 2025-02-03 | 2025-10-01 | $15,450 | $12,300 | $3,150 | ST |
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Method and limits
- Stocks and ETFs only. Options, short sales and spin-offs are skipped. Stock splits are applied when the file has split rows.
- Wash sales: same symbol across all files you upload, including IRA files (IRA buys disallow the loss permanently). 'Substantially identical' different funds are not matched unless you tick that option.
- Wash-sale replacement buys that were already fully sold before the loss sale are not matched.
- Dividends count only if you choose to include them (qualified or ordinary); otherwise they are listed only.
- Return is dollar-weighted on closed positions, not time-weighted.
- Single, married-joint or head-of-household filer; federal plus CA, NY, NJ, MA, OR or MN, or federal only; tax tables are estimates (years before 2024 use 2024 tables). Local taxes (e.g. New York City) are not included.
- Commissions and fees are not included in basis or proceeds unless your file's price already includes them.
- Open positions are not valued in this report (see the Year-End Check for open lots).
- Physical gold/silver/platinum funds (GLD, IAU, SLV and similar) are collectibles: their long-term gains are taxed at ordinary rates capped at 28%; netting of the 28% group with other long-term losses is simplified.
- Demo with made-up trades.