See TrimSmart score a portfolio, flag what to trim, and break down the tax — in under a minute.
Join the waitlist
No payment, no account. Just tell us where to reach you when it's ready.
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
- Scores every holding on a 9-point quality framework — revenue & EPS growth, margins, ROE, debt, valuation, and free cash flow — distilled into one composite score.
- Gives a clear verdict per position — ADD, HOLD, TRIM, or SELL — by blending that quality score with analyst price targets and recent insider activity.
- Evaluates your watchlist too — runs the same framework on tickers you're considering, so you get a "should I buy?" read before you commit, not just on what you already own.
- Summarizes the whole portfolio at a glance — quick recommendations surface trim candidates, over-concentrated positions, high-conviction adds, and names trading above their analyst target.
- Times the tax — shows each gain as short-term vs. long-term, the tax cost of selling today, and how many days until a position turns long-term.
- Finds the least-taxable way to trim — specific-lot selling and loss-harvesting pairs to offset gains.
See it in action
Every holding side by side — price vs. analyst target, the 9-point quality score, composite, insider activity, and a clear verdict. (Tap to enlarge.)
| Position | Holding | Gain | Tax if sold now | Days to LT | |
|---|---|---|---|---|---|
| NVDA | Short-term | +$9,200 | ~$3,400 → ~$1,560 | 19 | TRIM |
| PYPL | Long-term | −$2,100 | harvest the loss | — | SELL |
| COST | Long-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.
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.
What you'd see first
One glance at the top of every report — the whole portfolio, summarized:
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.