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//// Financial · Trade Analysis

Stock Profit/Loss Calculator

Did you actually make money? Punch in your trade — shares, buy price, sell price, fees, and tax rate — and see your real net return after the IRS takes its cut.

401(k) Limit 2024$23,000
Roth IRA Limit$7,000
S&P 500 Avg Return~10%/yr

Net profit after tax

+$1,075

+50.6% return · +42.0% annualized

Gross profit

+$1,265

Before taxes and fees

Total fees

$0.00

Buy + sell commissions

Tax owed

$190

15% long-term rate

Net profit after tax

+$1,075

+50.6% return

Per-share breakdown

Cost basis per share$42.50
Sell price per share$67.80
Gross profit per share$25.30
Break-even sell price$42.50

Trade details

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15% for most; 20% for high earners

Used to calculate annualized return

How the math works

Cost basis = shares × buy price + buy fees

Proceeds = shares × sell price − sell fees

Gross profit = proceeds − cost basis

Tax = max(0, gross profit × tax rate) — losses produce no tax

Annualized return = (1 + simple return)^(12/months) − 1

1

Cost Basis

cost_basis = shares × buy_price + buy_fees

50 × $42.50 + $0.00

= $2,125.00

This is your tax basis — what you paid to acquire the position

2

Sale Proceeds

proceeds = shares × sell_price − sell_fees

50 × $67.80 − $0.00

= $3,390.00

3

Gross Profit / Loss

gross_profit = proceeds − cost_basis

$3,390.00 − $2,125.00

= $1,265.00

Taxable gain

4

Tax Owed (long-term LTCG)

tax = max(0, gross_profit × tax_rate)

$1,265.00 × 15%

= $189.75

Long-term gains taxed at preferential LTCG rates (0%, 15%, or 20%)

Holding period was 14 months — 12+ months qualifies for long-term rates

5

Net Profit After Tax

net_profit = gross_profit − tax_owed

$1,265.00 − $189.75

= $1,075.25

Simple return: +50.6% · Annualized: +42.0%

Key insight

After 15% LTCG tax, this trade netted $1,075.25 — a +50.6% simple return (+42.0% annualized).

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