INCOMEENGINEFrom insight to income
Private beta · Free analysis

The monthly income hiding in your stock portfolio.

Paste your tickers. Income Engine finds the positions you can sell covered calls on, picks the specific trade for each, and tells you — in dollars — what you could be earning every month.

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Live prices · Position by position · No signup
You'll need at least one position with 100+ shares — that's one options contract.
Works with Robinhood, Fidelity, Schwab, E*Trade & others.
Private beta · a small circle of self-directed investors.
or see how it works
What you'll get back

Specific trades. Priced live. Ranked.

Not an industry average. Not a yield estimate. The actual calls to sell on your actual positions, right now.

1
The exact trades to make
For each position worth it: which call to sell, at what sale price, by what deadline, for how much cash up front.
2
Priced against the live market
The specific trades we recommend are priced against today's actual bid and ask on today's actual contracts. The dashboard's opportunity-across-your-portfolio ballpark falls back to rule-of-thumb percentages when live quotes are still resolving — it's always labeled as such.
3
Ranked by what's worth doing first
Not every position pays. The engine ranks the ones that do, flags the ones that don't, and surfaces the top trades for your week.
Covered calls, in 60 seconds

How it actually works.

You own 100 shares of NVIDIA at $219 — a $21,900 position just sitting there. Someone else wants the right to buy those shares from you at $230 anytime in the next month. You sell them that right (a "call option") and collect roughly $380 in cash, up front. Yours no matter what.

Three things can happen by the deadline:

NVDA stays below $230
+$380
You keep the $380 and keep your shares. Do it again next month. That's ~1.7% a month on a position that was going to sit there anyway.
NVDA goes above $230
+$1,480
You sell at $230. You keep the $380 premium plus $1,100 of appreciation. The trade-off: if NVDA runs past $230, that upside above the strike is gone — you've agreed to sell. That's the deal you make for the premium.
NVDA drops
+$380
The buyer walks away. You keep the $380 and your shares — same as if you'd never sold the call. The premium softens the first ~1.7% of a decline, but it doesn't meaningfully protect against a significant drop. Covered calls generate income; they don't hedge.
Across different markets
The strategy isn't the same in every market.

A single trade shows you one month. Over three months of a $100K portfolio, here's what covered calls actually do across market conditions.

Flat market 0%
All calls expire worthless. Pure premium income — cash you wouldn't have had by just holding.
+$5,310 better than holding
Position unchanged. Collected $5,310 in premium you wouldn't have had.
Down market −20%
Calls expire worthless (price never approaches the strike). Your stock still drops, but you've collected income while you wait it out.
+$5,310 better than holding
Position is −$15,190 vs. −$20,500 holding. Premium cushioned $5,310 of the loss.
Slow bull +10%
Some positions get called away at a profit (strike + premium). You collect premium on the rest. Roughly a tie with just holding.
~even with holding
Called-away gains + premium ≈ the appreciation you'd have captured just holding.
Melt-up rally +25%
Positions get called away early in the rally. You miss the upside above the strikes. This is where covered calls lag.
−$5K to −$10K vs. holding
You collected $5,310 in premium but missed much more upside above the strikes.

Illustrative figures on the $100K reference portfolio at current implied volatility. Your numbers will differ with portfolio size, position mix, and market conditions.

The strategy is optimized for sideways and down markets, with a known trade-off in strong rallies. Pensions and endowments run it anyway, because sideways-and-down is the market most of the time — and because predictable income beats trying to catch melt-ups.

The recommendations

Three trades to make this week.

Your portfolio run against the live options market, position by position. Each row: what to sell, at what price, by when, and how much cash lands up front.

Example — $100K reference portfolio. Yours scales with what you own.
Monthly income if you make all three
$1,600 cash up front
≈ $19,200 / year at this pace
low — $1,520 high — $1,680
The cash you'd collect up front (the "premium") for selling one-month covered calls against three of your positions. Priced against today's live options market. Gross premium — not profit. If a stock rallies past its strike, you miss the gains above it. If a stock drops, the premium cushions you but doesn't erase the loss.
1
PLTR
You own 200 shares @ $189
+$750
this month
Sell 2 contracts → sale price $200 (strike) · deadline Oct 30 · $3.60–$3.90 per share
Elevated options demand pays well right now. 5.8% room before shares at risk. No earnings in the deadline window.
2
NVDA
You own 200 shares @ $219
+$640
this month
Sell 2 contracts → sale price $230 (strike) · deadline Oct 30 · $3.00–$3.40 per share
Deep, liquid options market — tight prices. 5.0% room before shares at risk. No earnings in the deadline window.
3
HOOD
You own 100 shares @ $109
+$210
this month
Sell 1 contract → sale price $115 (strike) · deadline Oct 30 · $2.00–$2.20 per share
High-volume options, tight bid-ask spread. 5.5% room before shares at risk. Clean candidate.
Plus 2 smaller positions · your call
SOFI 200 shares. High volatility but small dollar value — modest premium. +$60
CSCO 100 shares. Steady blue-chip. Pays a dividend on top of the premium. +$70
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For informational purposes · Not investment advice. Example figures based on live Oct 2026 options prices.
Now at portfolio scale
The aggregate: a $100K portfolio.

All five positions, side by side. The top three above do most of the lifting; the smaller two round it out. Roughly half as much portfolio, roughly half the income.

Stock
Shares
Position
Monthly
SOFI high-vol
200
$3,000
+$60
CSCO blue chip
100
$7,000
+$70
HOOD high-vol
100
$10,900
+$210
PLTR high-vol
200
$37,800
+$750
NVDA high-vol
200
$43,800
+$640
Total
$102,500
+$1,730/mo

That's roughly 20% a year in gross premium at current implied volatility, if you repeated this each month. Gross — not net. Covered calls cap your upside: gains above the strike are the trade-off for the premium collected. The engine prices every row against the live market and tells you which trades to actually take.

See what yours could earn
Why you need a tool

Easy on paper. Not easy to do well.

In theory you can just open Robinhood and sell a call. In practice, running covered calls across even a few positions is a daily job.

What eats your income
  • Missing a key Friday deadline — you lose control, and someone else forces the sale
  • Pricing the trade poorly — the market quietly takes 10–20% of your premium
  • Not acting in time — shares get sold out from under you at a bad price
  • Selling a call right before earnings — one surprise and the whole month's income evaporates
  • Not tracking what worked — you never learn, so you never improve
Income Engine handles all of this for you — one morning summary tells you what needs a decision today and what the exact trade should be. Everything else goes in a simple email digest.
What the engine does

Four jobs. One system.

One connected decision loop running against your real positions — not just a dashboard, not just alerts, but the pieces working together.

Finds the opportunities
Scans every position you own against the live options market. Flags the ones worth selling against. Ranks them by what pays best for the risk.
Tells you what to do today
The exact trade for each: sale price, deadline, cash up front. Separates "needs you today" from "fine until next week" so you don't have to work it out.
Pings you when it matters
Email summary at 7 AM. Text alerts only when something's truly urgent — the one deadline that can't slip past today.
Shows you if it's working
Every suggestion the engine made, every decision you made, every dollar it was worth. Over time, the honest answer to "is this actually helping me?"
The cockpit

What open-cycle management actually looks like.

The view you check every morning once calls are live — every open position, every stock’s status, anything that needs you today. Refreshed every market minute.

This cycle · Nearest deadline Oct 30 · 1d left 2 Actions
$1,600 credit at work (premium received, not yet realized) · 3 calls open
55% captured so far
Of $1,600 credit at work
Safe1 · below sale price
In play1 · behaving normally
Watch0 · near sale price
Alert1 · above sale price
PLTR
sale price $200 (strike) · 2 contracts · 1d left
Decide today
PLTR at $205.50 · 2.75% above sale price Cash collected so far: $563
NVDA
sale price $230 (strike) · 2 contracts · 22d left
Hold
NVDA at $219.40 · 4.6% below sale price Cash collected so far: $256
HOOD
sale price $115 (strike) · 1 contract · 29d left
Watch
HOOD at $111.80 · 2.8% below sale price Cash collected so far: $63
Income you could be earningest.
$110–$150 /mo range
$10,000 ready to earn across 2 more positions (SOFI, CSCO). Modest premiums — still worth running.
See exact trades to make →
The accountability layer

Every decision. On the record.

The engine keeps your scorecard — every suggestion it made, what you did, what came of it. No cherry-picking. You see where it was right and where you overruled it, in dollars.

Example — your Record shows your own decisions
Oct 11, 2026
NVDA$215 sale priceExpired safely
Engine said hold through the deadline; let it expire worthless. Agreed
+$285
Oct 07, 2026
PLTR$170 → $180 sale priceExtended
Moved the deadline out and nudged the sale price up — $340 net cash. Clean trade. Agreed
+$340
Sep 30, 2026
PLTR$180 sale priceClosed early
Volatility jumped before earnings; closed the trade early rather than ride through the report. Kept $240 of the $420 I'd collected. Agreed
+$240
Sep 23, 2026
HOOD$108 sale priceShares sold
Shares sold at $108 — engine said this one was acceptable to let go. Effective exit $110.15 with the premium. Agreed
+$215
Sep 09, 2026
PLTR$160 sale priceClosed late
PLTR surged; had to close the trade late for $9.80/share against $3.80 collected. Engine flagged the deadline-extend a week earlier at $5.60. Deviated
−$600
Sep 02, 2026
CSCO$72 sale priceExpired safely
Expired without being triggered. Full income kept — the blue-chip row quietly earning. Agreed
+$75
Aug 22, 2026
NVDA$205 → $215 sale priceExtended
Moved the deadline out and nudged sale price up for $395 net cash. Engine's timing saved me from the following week's sudden jump. Agreed
+$395
Illustrative decisions · the amounts above are demo values, not real trading results · your Record will show your own decisions once you start
Your match rate
Shown after your first few decisions
Cost of your deviations
Tallied from day one
The engine isn't always right. Nobody is. What makes this different: you'll see, in dollars, every time you ignored a suggestion and whether that call paid off (see the PLTR “Closed late” row above — expensive miss, kept in). Over months this is the honest answer to "is this tool actually earning me more than I'd make on my own?" — the question most trading products avoid.
A few questions you may have

Before you try it.

Which brokers does this work with?
Any broker. The analyzer takes a statement PDF, a CSV export, or you can type your positions in by hand. Robinhood, Fidelity, Schwab, E*Trade, Interactive Brokers — it reads them all. When you actually place a trade, you do it in your broker’s own app; the engine tells you exactly what to click.
Is my data safe?
The analyzer never stores what it reads — it extracts your tickers and share counts, then throws the file away. If you decide to create an Engine account, your positions sit in a private database, encrypted at rest, hosted in the US, with no third-party access. We never connect to your broker, never see your account balance, and never see a single trade you place. No tracking cookies, no selling data, no sharing with anyone.
Do I need options approval already?
To actually place a covered-call trade, yes — every broker requires a basic options tier (usually "Level 1" or "Covered Calls Only"). It’s a one-time form, usually approved same-day. You can still run the analyzer and see what your portfolio could earn without it.
Can I cancel anytime?
Yes. Free during the private beta. You'll never be charged without 30 days' notice — when the beta ends, you'll see the paid tier a full month before it starts, with beta-user pricing you don't lose. Cancel from your account page in one tap, no email, no questions. Your Record stays accessible while your account is active, and you can export it any time; the data is yours.

See the exact trades we'd recommend on your portfolio.

Paste your tickers. Income Engine finds the positions that could pay you, picks the specific trade for each, and tells you — in dollars — what you could be earning every month. Takes 60 seconds. No signup required.

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Already know you want in? Create my Engine
Free during private beta · 30 days' notice before any paid tier · Cancel anytime
Questions first? Email joe@myincomeengine.com — I read every one personally.