Trading Hub v2 › Tools › Tax-Aware Rebalancing

Tax-Aware Portfolio Rebalancing

Lot-level optimisation: harvest losses first, prefer long-term gains, respect wash-sale windows. Compare tax-aware vs naive rebalancing net of tax.

METHODOLOGY_HASH: tax-rebalancing-thv2-2026-06-06-v1 — Tax rates: LTCG 23.8% (20% + 3.8% NIIT), STCG 37% (top bracket). IRS Pub 550. Not tax advice.

☰ Step 1 — Current Positions

Drop CSV here or click to upload
Columns: ticker, shares, cost_basis, current_price, holding_days

Ticker	Shares	Cost Basis / Share ($)	Price ($, snapshot)	Days Held	Unrealised Gain

▶ Step 2 — Target Allocation

Tickers not in current positions will generate BUY orders. Remaining weight (0%) stays as cash.

$ Step 3 — Tax Budget & Compute

Max tax budget (optional): $ Leave blank for no limit

⚖ Trade-off Analysis: Full Rebalance vs Tax-Aware

▶ Recommended Trade Sequence

Sell order: losses harvested first (reduce tax basis), then long-term gains (lower rate), then short-term gains.

#	Ticker	Side	Shares	Approx Proceeds	Gain / Loss	Type	Est. Tax	Saved vs Naive	Rationale

+ Buy Orders

Ticker	Target Weight	Amount to Buy ($)

◆ Short vs Long-Term Gains Breakdown

▼ Harvest Opportunities

Positions with unrealised losses > $100. Harvesting offsets gains; avoid repurchasing same security within 30 days (IRC §1091).

Ticker	Unrealised Loss	Type	Est. Tax Benefit	Wash-Sale Risk	Note

☷ Per-Lot Tax Analysis

Ticker	Shares	Cost / Shr	Price	Days Held	Type	Unreal. Gain	Unreal. %	Tax Rate	Est. Tax If Sold	Harvest?

NOT financial or tax advice. Tax rates used: LTCG 23.8% (20% capital gains + 3.8% NIIT, top bracket), STCG 37% (top ordinary-income bracket). Wash-sale detection uses a 30-day window per IRC §1091 based on the holding_days you supply. Actual tax liability depends on your marginal bracket, carryforward losses, AMT, and state taxes. IRS Publication 550 governs lot-identification methods. Consult a qualified tax advisor before executing any trades. METHODOLOGY_HASH: tax-rebalancing-thv2-2026-06-06-v1.