Your Portfolio, Priced for Taxes — Not Just Balances
A sample $10.47M portfolio, priced for taxes as you watch — nine ranked moves worth roughly $4,405, found automatically.
Numbers shown are from a sample plan, for illustration only — not financial advice.
What you'll see
The demo starts on a sample portfolio worth $10.47M across 7 accounts and 75 positions — Fidelity, Schwab, Bytic, Coinbase, plus two tax-deferred accounts. Each holding carries a live-priced value and unrealized gain or loss, including a Treasury ETF sitting on a $24,240 loss and a bitcoin trust down $15,950.
Clicking "9 insights" opens the tax-aware insights drawer, which reads the current marginal rate (24%), how much room is left in that bracket ($32k), and whether there's any 0%-gains or ACA-subsidy headroom this year (there isn't — this sample plan is over the 400%-FPL cliff). It then ranks nine concrete, dated actions worth roughly $4,405 this year: harvesting five specific losing positions (TLT, IBIT, SOLT, BABA, ASTS), watching the remaining bracket room for a Roth conversion, and flagging that any extra realized gains won't restore ACA subsidy this year.
This is the difference between a brokerage statement and a plan: the portfolio doesn't just show what you own, it prices every position for the taxes it'll eventually trigger, and ranks the moves by how much they're actually worth — before you make them.
Chapters
- 0:00Your broker shows balances. Not consequences — the Portfolio view opens on a sample plan.
- 0:10Every lot, every account — cost basis included.
- 0:21Nine tax moves, found automatically — ≈$4,405 this year.
- 0:31$32k of bracket room — enough for this year's Roth rung.
- 0:38Bracket room, the ACA cliff, harvestable losses — watched daily.
Why it matters
- Reads real cost basis and account type from every imported position, not just current value.
- Ranks tax moves by estimated dollar impact, so the highest-payoff action surfaces first.
- Watches bracket room, 0%-gains room, and the ACA subsidy cliff together, since they interact in the same tax year.
- Feeds directly into the Ledger, so a harvested loss or a conversion shows up in the same year-by-year plan used everywhere else.
FAQ
How does RetireOdds find these tax moves automatically?
It reads every imported position's cost basis and account type, then checks each one against your marginal bracket, remaining bracket room, 0%-capital-gains room, and the ACA subsidy cliff — ranking whatever actions are worth acting on this year.
Does RetireOdds place trades for me?
No. Insights are ranked, dated suggestions with an estimated dollar value — you still execute at your broker and re-import the result.
What if I have losses I don't want to sell?
Each insight is a suggestion, not an instruction — the drawer shows the estimated value of harvesting a loss, and you choose which of the nine to review.