Know which positions to trim — and when — so you keep more after taxes.

A tax-aware analyzer for self-directed investors. Link your brokerage and it scores every holding, flags what to trim and the lowest-tax way to do it — and vets your watchlist before you buy.

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The problem

Most portfolio trackers show you charts. They don't tell you what to do — and none of them factor in the tax bill when you sell. So people either hold losers too long, or sell winners weeks before they'd qualify for long-term capital gains rates and hand thousands to the IRS for no reason.

What TrimSmart does

See it in action

Holding detail — verdict & quality score
META  Meta Platforms · Communication Svcs
ADD
Composite 84 / 100
✓ Revenue growth ≥ 10%
✓ EPS growth ≥ 10%
✓ ROE ≥ 15%
✓ Operating margin ≥ 15%
✓ Debt / equity < 1
✓ Free cash flow positive
✓ PEG < 2
✕ P/E < 30
✓ Below analyst target

Every holding gets a 9-filter quality breakdown and a composite score behind its verdict.

Tax-aware trim guidance
PositionHoldingGainTax if sold nowDays to LT
NVDAShort-term+$9,200 ~$3,400 → ~$1,56019 TRIM
PYPLLong-term−$2,100 harvest the loss— SELL
COSTLong-term+$5,800 ~$870— HOLD

For each flagged position: short- vs long-term status, the tax cost of selling today, and the days until long-term rates kick in.

💡 Worked example — tax-loss harvesting

Say trimming NVDA realizes a +$9,200 gain. TrimSmart spots that PYPL is sitting on a −$2,100 unrealized loss. Sell PYPL in the same tax year and that loss offsets the gain dollar-for-dollar — shrinking the taxable gain to $7,100 and saving roughly ~$500 in tax. More losses than gains? Up to $3,000 can offset ordinary income this year, and the rest carries forward to future years.

Other tax tips TrimSmart surfaces
Mind the wash-sale rule. Re-buying the same (or a substantially identical) security within 30 days of harvesting a loss disallows it — TrimSmart flags the risk.
Cross the one-year line. Holding past 12 months drops the rate from ordinary income (up to 37%) to 0/15/20%. The report shows the exact days remaining.
Sell the right lots. Specific-lot identification lets you sell your highest-cost shares first, minimizing the taxable gain on a trim.
Watch the 3.8% NIIT. Above the income threshold an extra net-investment-income surtax applies — it's built into the tax estimates.

What you'd see first

One glance at the top of every report — the whole portfolio, summarized:

✂️
Trim candidates: NVDA, AVGO — failing quality checks and trading above target.
⚠️
Concentration: AAPL is 21% of the portfolio — consider rebalancing.
★
High-conviction adds: META, GOOGL, TSM — strong quality with upside to target.
↑
Above analyst target: AVGO — limited upside to consensus.
🔻
Weak fundamentals: PYPL (3/9) — watch the quality trend.

Illustrative example with sample tickers. Not investment advice or a recommendation.

Who it's for

DIY investors

You pick your own stocks and hold a real-money portfolio you actively manage.

Tax-conscious holders

You care about after-tax returns and hate paying short-term rates by accident.

TrimSmart is an informational analysis tool, not a registered investment adviser, broker-dealer, or tax professional. Nothing here is personalized investment, legal, or tax advice. Investing involves risk, including loss of principal. Consult a licensed professional before acting.