Tax Impact
After-tax returns
See what you actually keep after taxes — and how holding longer changes the picture.
Gross Gains This Year
+$3,840
Before tax
Estimated Tax
-$1,229
At 32% bracket · short-term rate
After-Tax Return
+$2,611
What you actually keep
Potential Savings
+$614
By holding positions longer
Position by position breakdown
| Holding | Bought | Held | Gain/Loss | Tax Type | Est. Tax | After-tax | Tip |
|---|---|---|---|---|---|---|---|
GLD8 shares | Jan 15, 2026 | 83 days · short-term | +$1,920 | Short-term | -$614 | +$1,306 | Hold 282 more days → saves $307 |
TLT30 shares | Feb 3, 2026 | 64 days · short-term | -$87 | Short-term loss | +$28 credit | -$59 | Harvest this loss → offsets $87 of gains |
AAPL5 shares | Mar 1, 2026 | 38 days · short-term | +$340 | Short-term | -$109 | +$231 | Hold 327 more days → saves $68 |
BND25 shares | Jan 20, 2026 | 78 days · short-term | +$180 | Short-term | -$58 | +$122 | Hold 287 more days → saves $36 |
How holding period affects your taxes
SHORT-TERM
Taxed as ordinary income
Your rate: 32%
$1,000 gain → keep $680
Hold 1 year
→ save $170
per $1,000
→ save $170
per $1,000
LONG-TERM
Taxed at preferential rate
Your rate: 15%
$1,000 gain → keep $850
💡 Tax-loss harvesting opportunity
Your TLT position is down $87. Selling now creates a tax loss that offsets $87 of your gains — saving you $28 in taxes.