Analytics

Income Factory

$0.00 2026-05-18 23:29

2026 Income Goal

$34,444 of $235,000 14.7%

Week 19 of 52 Expected: $88,448 (37.6%) Behind pace

Calls $29,924 / $210,000

$4,038/wk target 14.2%

Puts $4,520 / $25,000

$481/wk target 18.1%

Calls Target $4,038

Calls Actual Avg $1,529

Puts Target $481

Puts Actual Avg $231

Target APR 0.0% ($235,000)

Current APR 0.0% ($91,768)

Combined Target/Wk $4,519

Combined Actual Avg $1,760

Efficiency Distribution

Range	Count	%
< 0.25%	6	25%
0.25-0.40%	6	25%
0.40-0.60%	2	8%
0.60-0.80%	2	8%
> 0.80%	8	33%

Target: 0.40-0.60%

Income Consistency

Avg Weekly$3,398.80

Std Dev$3,583.59

Best Week$9,501.00

Worst Week$-1,174.27

Positive Weeks11/13

Coverage Utilization

Symbol	Coverage	Cap	Utilization	Headroom	Status

Opportunistic STO Metrics

Regular STO26

Opportunistic STO (Midweek)17

Opportunistic STO %39.5%

Monthly Income vs Target

Target: $19,583/month (Calls $17,500 + Puts $2,083)

$23,449

Jan

$7,906

Feb

$3,089

Mar

Calls Puts — Target: $19,583

NVDA Concentration ?

All-Time3.4%

Rolling 3-Month0.0%

NVDA CC Income$1,368

Week	Net Income	Trades	STO	BTC	Avg Efficiency	Gross Credits	Gross Debits	Fees
2026-03-16	$441.00	2	2	0	—	$441.00	$0.00	$0.00
2026-03-02	$2,648.00	8	6	2	—	$2,751.00	$103.00	$0.00
2026-02-23	$557.00	9	4	5	—	$1,801.00	$1,244.00	$0.00
2026-02-16	$2,413.00	3	3	0	—	$2,413.00	$0.00	$0.00
2026-02-09	$5,044.50	7	7	0	—	$5,044.50	$0.00	$0.00
2026-02-02	$-108.50	6	1	5	—	$1,799.00	$1,907.50	$0.00
2026-01-26	$9,501.00	10	5	5	—	$9,888.00	$387.00	$0.00
2026-01-19	$7,184.50	7	6	1	—	$7,784.50	$600.00	$0.00
2026-01-12	$1,215.00	1	1	0	0.01%	$1,215.00	$0.00	$0.00
2026-01-05	$1,448.69	8	5	3	0.30%	$4,664.00	$3,163.00	$52.31
2025-12-29	$-1,174.27	9	4	5	1.22%	$4,334.05	$5,464.00	$44.32
2025-12-22	$9,228.42	12	7	5	1.06%	$17,009.87	$7,690.66	$90.79
2025-12-15	$5,786.00	10	7	3	0.43%	$7,524.87	$1,671.87	$67.00
TOTAL	$44,184.34	92

Options premium income only (excludes assignment proceeds)

Symbol	Total Income	Trades	Avg Efficiency	Floor	Avg Per Trade	Status ?
AMD	$3,153.36	21	1.20%	0.40%	$150.16	GoodPositive income, efficiency OK
AMZN	$12,154.77	14	0.25%	0.30%	$868.20	ReviewAvg efficiency below 0.30% floor
META	$9,569.28	10	0.40%	0.30%	$956.93	GoodPositive income, efficiency OK
MSFT	$9,615.64	20	0.29%	0.20%	$480.78	GoodPositive income, efficiency OK
NET	$3,784.61	6	1.39%	0.45%	$630.77	GoodPositive income, efficiency OK
NFLX	$895.00	9	—	0.35%	$99.44	GoodPositive income, efficiency OK
NVDA	$1,367.60	10	0.59%	0.45%	$136.76	GoodPositive income, efficiency OK
SHOP	$1,822.58	6	0.78%	0.50%	$303.76	GoodPositive income, efficiency OK
XSP	$1,821.50	12	—	0.35%	$151.79	GoodPositive income, efficiency OK

Per-Ticker Premium Yield ?

Symbol	Market Value	YTD CC Income	Annualized	Yield %	Status
AMD	$0	$959	$2,555	0.0%	⚠ Below floor
AMZN	$0	$10,706	$28,523	0.0%	⚠ Below floor
META	$0	$6,695	$17,837	0.0%	⚠ Below floor
MSFT	$0	$8,306	$22,128	0.0%	⚠ Below floor
NET	$0	$1,843	$4,911	0.0%	⚠ Below floor
NFLX	$0	$369	$983	0.0%	⚠ Below floor
NVDA	$0	$-9	$-23	0.0%	✓
SHOP	$0	$1,055	$2,810	0.0%	⚠ Below floor
Blended				0.0%

Floor: 7% annualized for non-NVDA tickers. NVDA excluded from flag (high IV inflates blended yield).

BTC + Re-Entry Cycle ?

Profit BTC (≥90%) 0 0%

Defense BTC 0 0%

Expired Worthless 13 100%

Re-Entries 0 within 3 days

Profit BTC Defense BTC Expired

The 90% profit target edge only works if it fires and generates re-entries. If most trades expire worthless, the edge isn't being captured.

Regime Distribution & CC P&L ?

Regime	Trades	% of Total	CC P&L
NORMAL	81	100.0%	$39,664
CAUTION	0	0.0%	$0
DOWNTURN	0	0.0%	$0
PAUSE	0	0.0%	$0

Tiered Earnings Trades (MSFT/NFLX) ?

📋

No Tiered Earnings Trades Yet

When MSFT or NFLX CCs are placed in the 5-7 day tiered window, they'll be logged here. This is new Phase 3 behavior — watch closely.

XSP Win Rate & Premium ?

Total Trades 6

Win Rate 100.0% benchmark: 88%

Avg Credit $372 benchmark: $274

Close Reason Breakdown

Expired Worthless 3 50%

Profit BTC 3 50%

Loss BTC 0 0%

Assignment 0 0%

High expired % indicates 45 DTE entry is giving enough time for decay.

Throttle / No-Trade Days

🔧

Data Collection Required

Throttle/no-trade day tracking requires a daily event log. Days blocked by VIX shock throttle (≥30/≥40) or Panic regime gate will appear here once the data collection mechanism is implemented.

Assignment Log ?

Date	Symbol	Strike	Shares	Cost
2026-02-07	AMD	$225.00	400	$90,000

BTC-Only P&L ?

BTC-Only P&L $919

Trades 8

Win Rate 100%

Per-Tier Performance ?

Tier	Trades	Wins	Win Rate	P&L
Fortress	0	0	0%	$0
QualityVolatile	4	4	100%	$526
HighBeta	5	4	80%	$2,173

Time Period:

Strategy Comparison ?

📈 Covered Call Strategy

Realized Premium $39,664

Total Premium (All Time) $39,664

🏦 Opportunity Cost

Missed Gains (Strike → Current) $0

Total Opportunity Cost $0

←

Premium exceeds opportunity cost by $39,664

Compares premium income vs gains missed by selling at strike instead of holding (1 assigned position).

Assigned Position Details ?

Symbol	Shares	Cost Basis	Assigned At	Current	CC Return	B&H Return	Difference
AMD	400	$110.00	$220.00 2026-01-17	$220.00	$45,024 102.3%	$44,000 100.0%	+$1,024

Understanding the Numbers

CC Strategy Return

(Assignment Strike - Cost Basis) × Shares + All Premium Collected

Buy & Hold Return

(Current Price - Cost Basis) × Shares

Missed Gains

(Current Price - Assignment Strike) × Shares — gains since you sold

Strategy Difference

CC Return - B&H Return. Positive = CC won, Negative = holding would have been better

Portfolio Flags

No portfolio-level flags

Position Flags

No position-level flags

✓

All Clear

No watchlist items. Strategy performing within expected parameters.

Threshold Reference

Portfolio Efficiency

Flag if below 0.20% for 8+ consecutive weeks

Net Negative Weeks

Flag if 6+ negative weeks in 12-week window

Drawdown

Flag if cumulative P&L drops 15%+ from peak (NORMAL regime)

Peer Divergence

Flag if ticker lags portfolio avg by 0.10%+ while peers succeed

Claude API Usage

Tracking costs from Claude-powered features (market reports, chat, etc.)

MTD Cost $0.00

Today $0.00

Today's Calls 0

Avg Cost/Call $0.058

7-Day Spend

05-12

05-13

05-14

05-15

05-16

05-17

05-18

Cost by Feature

Feature	Calls	Total Cost	Avg Cost	% of Tracked
Market Report	5	$0.33	$0.066	94.7%
Weekly Notes	1	$0.02	$0.018	5.3%

Call Log

Market Report 04-09 13:09

5K in / 3K out

$0.066

Market Report 04-09 13:08

6K in / 3K out

$0.069

Market Report 04-06 14:42

12K in / 6K out

$0.127

Weekly Notes 04-04 07:56

6K in / 3K out

$0.018

Market Report 03-26 10:57

6K in / 3K out

$0.020

Market Report 03-20 15:20

6K in / 2K out

$0.046

Glossary

STO (Sell to Open)

Opening a new options position by selling a contract. This is how we collect premium income.

BTC (Buy to Close)

Closing an existing options position by buying back the contract we sold. Used to lock in profits early or manage risk.

CC (Covered Call)

Selling call options against shares we own. If the stock stays below the strike, we keep the premium. Our primary income strategy.

CSP (Cash-Secured Put)

Selling put options with cash reserved to buy the stock if assigned. Used in the Wheel strategy to enter positions at a discount.

Wheel+ Strategy

Sell CSPs on quality names at drawdown entry gates. If assigned, sell CCs on those shares. May draw from general put capital (not just assignment cash). Subject to share caps and total commitment invariant.

Delta

The probability (roughly) that an option expires in-the-money. Delta 0.15 means ~15% chance the stock hits our strike. Lower delta = safer but less premium.

DTE (Days to Expiration)

How many days until the option contract expires. We typically sell 7-21 DTE for covered calls.

Strike

The price at which the option can be exercised. For covered calls, if the stock goes above this price, our shares get "called away" (sold at this price).

Efficiency (%)

Premium collected as a percentage of the stock price. Our target is 0.40-0.60% per trade, with a hard floor of 0.25%. Higher efficiency = more income per dollar of stock.

Premium

The cash we receive for selling an option. This is our income. One contract = 100 shares, so $1.50 premium = $150 per contract.

ITM / OTM

In-The-Money (stock above our call strike = risk of assignment) vs Out-of-The-Money (stock below strike = we keep shares + premium). We want OTM.

Assignment

When an option is exercised against us. For CCs: our shares are sold at the strike. For CSPs: we buy the stock at the strike. Not necessarily bad.

Coverage (%)

What percentage of our shares have calls written against them. Group A max 90%, Group B max 75%. Leaving some uncovered protects against upside we\'d miss.

VIX (Volatility Index)

The market\'s "fear gauge." Higher VIX = higher premiums but more risk. Below 25 = normal trading. Above 30 = reduce new positions. Above 40 = pause entirely.

Roll

Closing a current option and opening a new one with a different strike or expiration. Used to avoid assignment or extend a winning position. Best done for a net credit.

Group A / Group B

Ticker groups with different rules. Group A (MSFT, AMZN, META, NFLX): larger, less volatile, wider delta/DTE. Group B (NVDA, AMD, NET, SHOP): more volatile, tighter parameters.

Earnings Blackout

No new calls sold when expiration would cross an earnings date. Earnings cause big moves that could blow past our strike. Hard block in the system.

Circuit Breaker

If 4+ of 8 tickers are skipping due to momentum (big moves), ALL new STO paused for 24h. Signals broad market stress.

OPP_STO (Opportunistic STO)

Non-Friday trades when conditions are especially favorable. Higher efficiency bar (0.40% vs 0.25%), max 2 per week, and replaces the Friday STO for that ticker.

2026 Income Goal

Efficiency Distribution

Income Consistency

Coverage Utilization

Opportunistic STO Metrics

Monthly Income vs Target

NVDA Concentration ?

Per-Ticker Premium Yield ?

BTC + Re-Entry Cycle ?

Regime Distribution & CC P&L ?

Tiered Earnings Trades (MSFT/NFLX) ?

No Tiered Earnings Trades Yet

XSP Win Rate & Premium ?

Close Reason Breakdown

Throttle / No-Trade Days

Data Collection Required

Assignment Log ?

BTC-Only P&L ?

Per-Tier Performance ?

Strategy Comparison ?

📈 Covered Call Strategy

🏦 Opportunity Cost

Assigned Position Details ?

Understanding the Numbers

Portfolio Flags

Position Flags

All Clear

Threshold Reference

Claude API Usage

7-Day Spend

Cost by Feature

Call Log

Ask Claude

Glossary