House Money
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30-day options premium collected
25%50%75%100%
House Money
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Premium (30d)
HM Progress
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NLV
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Income Coverage
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Annualized income yield on NLV
Income Coverage
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Income Yield
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Income MTD
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Monthly Target
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Survival Score
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Survival Score
Portfolio health score measuring drawdown resilience, margin headroom, hedge coverage, and cash buffer.
Health Score
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Status
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Action
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Capital States
Offensive
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---%
Offensive Capital
Capital actively deployed in income-generating positions: covered calls, cash-secured puts, and credit spreads.
This money is working hard — earning theta every day.
Target
50–70% of NLV. Below 50% means you're leaving income on the table. Above 80% leaves no buffer for adjustments.
Reserved
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---%
Reserved Capital
Liquid cash and parked-cash instruments (BIL, SGOV) held as strategic reserve.
Provides margin buffer, emergency liquidity, and dry powder for opportunistic entries.
Target
15–25% of NLV. This is your airbag — don't let it drop below 10% or you can't absorb a volatility spike.
Protective
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Protective Capital
Capital allocated to hedge positions: long puts, VIX calls, tail-risk hedges.
Acts as portfolio insurance — costs theta but limits catastrophic drawdown.
Target
2–8% of NLV. Zero protective capital is dangerous. Over 10% drags returns without proportional benefit.
Locked
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---%
Locked Capital
Capital tied up in assigned stock positions from option exercises.
Typically from short puts that were assigned — the shares are now your cost basis.
What to do
Sell covered calls against locked positions to generate income while waiting for recovery. High locked % = less flexibility.
Currency Balances
Capital Efficiency
Capital Velocity
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x/month
Measuring capital turnover...
Idle Capital
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(---%)
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Freedom Metrics
FI Number
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Years to FI
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Runway
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Account Yield
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Survival Score Components
Survival data loading...
War Chest
$0
of
$0
(0%)
Non-recurring capital fed from hedge profits
Tax Summary
Estimated Tax YTD
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Short-Term Gains
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Long-Term Gains
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Total Gains (Base del Ahorro)
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Carryforward Applied
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Wash Sale Warnings
0
Harvest Opportunities
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Simulated Income Range
Based on modeled paths — not a prediction
Bad Month
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Most Likely
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Good Month
--
Simulated projection based on 1,000 modeled paths. Not a prediction or guarantee of future results. Actual results may differ.
Treasury Alerts
No active alerts
Money Flow
Monthly Equity Waterfall
Inflows
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Premium Received (STO) |
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Options Sold to Close (STC) |
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Stock Sales |
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Dividends |
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Interest / Collateral Yield |
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Deposits |
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Outflows
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Premium Paid (BTO) |
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of which hedge costs |
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Stock Purchases |
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Commissions & Fees |
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Margin Interest |
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Withdrawals |
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Net Cash Flow
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Net Trading Income
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Collateral Efficiency
0%
Efficiency
Total Cash / Collateral
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Annual Yield from Collateral
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Potential Additional Yield
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Collateral Instruments
| Instrument | Type | Yield | Liquidity | Margin Eligible |
|---|---|---|---|---|
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Current Collateral Holdings
Withdrawal Impact Simulator
Simulate the impact before making a withdrawal. Complete the transfer in your broker, then record it here to update your metrics.
Deposit Impact Simulator
Withdrawal Best Practices
Max Monthly: 1-2%
Of average equity (or 4% conservative)
Buffer First
Don't withdraw below 6-month emergency buffer
No Recovery Withdrawal
Don't increase withdrawals until capital recovered
VIX Check
Pause withdrawals when VIX > 30
Currency Balances
Transfer History
No transfers recorded yet
Financial Independence Projection
FI Target
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Current Portfolio
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Years to FI
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Est. FI Date
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Projection Assumptions
Monthly Income Target
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Safe Withdrawal Rate
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Expected Annual Return
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Monthly Withdrawals
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Monthly Deposits
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Inflation Adjustment
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Scenario Comparison
| Scenario | Annual Return | Years to FI | FI Date |
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Total Assigned Stock Value
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Total Premium Collected
Active Wheel Cycles
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Stock Assignments
No active assignments