FORTRESS FIGHT: ENPH @ $45.57

BE SS: $56.15  |  CC-SS: $59.98  |  10 contracts (1,000 sh) |  ⌂ PORTFOLIO

GENERATED2026-07-15 21:39

ENPH @ $45.57   UNDERWATER $10.58 (18.8% below BE SS)

⚠ EARNINGS · SHORT EXPIRY ONLY
ENPH reports 2026-07-29 (Wed), in 14 days. The recommended CC (9d) closes BEFORE earnings , that one is safe , but the richer/longer options below expire after it and would sell through the gap. Keep the tenor inside 2026-07-29.

10 contracts (1,000 sh)  |  BE SS: $56.15  |  CC-SS: $59.98 (banked floor $59.23)  |  IV: HIGH  |  Accounts: RetireInc:7291

LC: $45 exp 2028-01-21 (entry $29.717/sh)
SP: $60 exp 2028-01-21 (entry $22.672/sh)
HP: $20 exp 2026-09-18 (entry $0.247/sh)

Economics

Max Loss$47,300(ND $7.30 + SW $40) x 1000
Normal income ref$5,587/mo95% ann ROI on ML
Hedge rolling cost$120/mo
Unrealized P&L$-15,600fortress legs from IBKR
INCOME GOALPOSTS & VELOCITY
50% INCOME FLOOR
$2,794/mo
HEDGE COVER
$120/mo
NORMAL INCOME
$5,587/mo (ATM CC, chain)
IC VELOCITY
1.3 mo to earn back $7,300
ML VELOCITY
8.5 mo to earn back $47,300
Deep drawdown confirmed: a CC at CC-SS $59.98 (probe: $59C 16d) brings only $806/mo (<20% of normal), so FIGHT below it is warranted.
🏦 CAMPAIGN LEDGER , realized CC income since 2026-07-02; banked cash shrinks the hole (shown as an info-only banked floor, the recommended CC-SS stays the pure recovery strike; seeded from open positions, reconciled from IBKR executions nightly)
Banked since 2026-07-02
$806
Hole (after banked)
$14,794
was $15,600 · 5% earned back
Cycles closed
2
Credit in flight
$952
CC-SS · banked floor (info)
$59.98 → $59.23
Open legAcctCredit/shIn flightOpened
10x $50C 17 Jul 2026U18827291$0.95$9522026-07-10
TECHNICALS (cc_timing weekly gate + daily trigger)
WEEKLYNEUTRAL · %B 51 (live) · RSI 50 · MACD bearish, hist falling
DAILYMIXED (provisional) · RSI 46 · %B 40 · hist rising (nightly)
LEVELSUpper BB (CC ceiling) $65.25 (+43%) · daily UBB $52.33 · 1-wk expected move ±$6 (chain IV)
SETUPNo tilt: engine default. (advisory; floors and picks are chain-only)
⚠ Next earnings 2026-07-29: candidates whose expiry crosses it are flagged in the spectrum; EV is unreliable across earnings.
INTERPRETATION
Primary: 10 contracts at $49 / 9d. This is the safest strike (survival 72%, breach 28%) that still earns 50% of normal income ($2,794/mo); it brings $2,900/mo. The engine maximizes the odds the pullback never reaches your strike, rather than chasing the fattest near-ATM premium.
More income, less safety: the ladder tops out at 10 × $48/9d for $6,000/mo, but breach risk rises to 33% (+5pp vs the primary). The lower strike is hit by a smaller bounce.
More safety, less income: for just the hedge you can sit at 4 × $60/9d (98% survival, $133/mo).
Downside anchor: the primary mortgages $10,107 (138% of IC) ONLY on a full V-bounce all the way to SS $56, recoverable in 1.8 months of normal income. That is the rare tail; the frequent case is the strike holding. Surgical close on the 10 contracts realizes $-16,055 and cuts bleed by $120/mo.

📅 Two weekly tracks, this Friday & next Friday

Each Friday gets its own recommended pick and full income ladder (safest strike per income rung, sized across your 10 contracts). The master ranks the two by E[net]/mo to pick one grand pick; both are shown here so you can choose the tenor that fits your roll cadence.

🏆 Grand pick: NEXT FRIDAY · 24 Jul 2026 (9d) · sell 10 × $49, 72% survival, $2,900/mo (E[net] $-1,128/mo).
The two weekly tracks below are ranked by E[net]/mo = income − P(touch) × escape cost. Each has its own full ladder.
TrackExpirySellSurvivalIncome/moE[net]/mo
THIS FRIDAY17 Jul 2026 · 2d9 × $4983%$2,835$-1,512
NEXT FRIDAY 🏆24 Jul 2026 · 9d10 × $4972%$2,900$-1,128

📅 THIS FRIDAY · 17 Jul 2026 · 2d · E[net] $-1,512/mo

🎯 Engine pick: sell 9 × $49 (primary), 83% survival, breach 17%, $2,835/mo.
The pick is already past the ~80% (≈1σ) comfort line, so take the income. Stepping out to the $50 rung (33% normal) lifts survival to 88% (breach 17% → 12%) for $810/mo less (29% income) buys safety you do not really need here.
ENPH  spot $45.57 · click a rung to expand its decision panel
RungSellExpiryDTEOTMSurvivalTouch oddsPer cycleIncome/moΔ vs pickCap give-up
cover hedge9 × $5517 Jul2d20.7%99+%0%$9$135-$2,700$4,471
Sell 9 × $55 20.7% OTM over spot $45.57 17 Jul 2026 (2d, $0.05 mid)
= $9 credit for the 2d cycle → $135/mo projected
Survival (stays ≤ $55)
99+%
Breach risk
0%
POP (stays ≤ $55.05)
99+%
EV / mo
+$131
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.5 mo [0.7-3.1] median  ·  62% of paths whole by 9 mo (vs 64% without)  ·  ~0.1 challenges expected  ·  median CC cash $-23
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
0%
Flat exit net (mid-life)
-$1,743
Free roll-up
none
Safest escape (by 31 Jul 2026)
$59 @ 79% POP
71% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 9 calls + sell the new ones, one order. Prices assume the central case (day 1 of 2); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $2.75/sh now → $1.95 mid-life → ≈ $0 at expiry  |  you banked $0.01/sh, so a flat mid-life exit nets -$1.94/sh  |  roll rows are incremental, the banked premium stays yours
MoveNew strike ≈New expiryTenorEst netTotal (9 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Roll out (same strike, buy time)~$5524 Jul 20268d left-$0.19/sh-$173
cycle -$164
63%
surv 52%
-$5,311 NOT
cap gain +$10,289
Max even-money escape in the band~$5931 Jul 202615d left+$0.51/sh+$461
cycle +$470
79%
surv 71%
-$125 NOT
cap gain +$15,475
reaches SS ✓
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$135/mo
vs 50% target ($2,794/mo)-95%
vs normal income ($5,587/mo)2% covered
Net income (after hedge)$77/mo
Downside budget
⚠ $55 is $5 below CC-SS $59.98: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$4,471
… as % of IC ($7,300)61.2%
… as % of ML ($47,300)9.5%
Recovery months (at normal income)0.8 mo
Surgical close (9 ct)$-14,076
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.00/sh (~25% of the $0.01 collected) or spot ≥ $55.05 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $55)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 4d left3d left≤ 2d (expiry)
Below $54.45Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$54-55.05
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $55.05
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$55.00 (3.1σ)$9$-5,138+$10,462-$288
+2.5%$56.37 (3.6σ)$-1,228$-4,893+$10,707-$1,188
+5%$57.75 (4.1σ)$-2,466$-4,749+$10,851-$1,188
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (9 × $55): -$4,471
− Conservative CC assignment net of premium (1 × $56): -$365
Total Position P&L @ SS: $-4,515 (+$11,085 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: $-1,188, the opportunity cost of earning $135/mo FIGHT income now)
🛡 safe yield10 × $5317 Jul2d16.3%96%8%$40$600-$2,235$6,937
Sell 10 × $53 16.3% OTM over spot $45.57 17 Jul 2026 (2d, $0.14 mid)
= $40 credit for the 2d cycle → $600/mo projected
Survival (stays ≤ $53)
96%
Breach risk
4%
POP (stays ≤ $53.13)
96%
EV / mo
+$115
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 0.9 mo [0.4-2.0] median  ·  61% of paths whole by 9 mo (vs 62% without)  ·  ~3.0 challenges expected  ·  median CC cash $797
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
2%
Flat exit net (mid-life)
-$1,836
Free roll-up
none
Safest escape (by 31 Jul 2026)
$57 @ 79% POP
71% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 10 calls + sell the new ones, one order. Prices assume the central case (day 1 of 2); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $2.65/sh now → $1.88 mid-life (likely $1.85–$3.81)≈ $0 at expiry  |  you banked $0.04/sh, so a flat mid-life exit nets -$1.84/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 63 simulated challenges: the $53 strike is typically first touched on day 2 of 2, at $54 (overshoots $1.39). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (10 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Reliable up-and-out (highest cap still free ≥60%)~$5531 Jul 202615d left+$0.61/sh+$606
cycle +$646
[-$540…+$735] · 62% credit
73%
surv 64%
-$4,059 NOT
cap gain +$11,541
Max even-money escape in the band~$5731 Jul 202615d left+$0.52/sh+$524
cycle +$564
[-$607…+$634] · 57% credit
79%
surv 71%
-$1,931 NOT
cap gain +$13,669
reaches SS ✓
Roll out (same strike, buy time)~$5324 Jul 20268d left-$0.15/sh-$148
cycle -$108
[-$1,388…-$41] · 25% credit
63%
surv 52%
-$7,498 NOT
cap gain +$8,102
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$600/mo
vs 50% target ($2,794/mo)-79%
vs normal income ($5,587/mo)11% covered
Net income (after hedge)$480/mo
Downside budget
⚠ $53 is $7 below CC-SS $59.98: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$6,937
… as % of IC ($7,300)95.0%
… as % of ML ($47,300)14.7%
Recovery months (at normal income)1.2 mo
Surgical close (10 ct)$-15,695
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.01/sh (~25% of the $0.04 collected) or spot ≥ $53.13 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $53)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 4d left3d left≤ 2d (expiry)
Below $52.47Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$52-53.13
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $53.13
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$53.00 (2.5σ)$40$-7,350+$8,250-$290
+2.5%$54.32 (2.9σ)$-1,285$-7,211+$8,389-$1,615
+5%$55.65 (3.4σ)$-2,610$-7,072+$8,528-$2,940
SS (= V-bounce)$56.15 (3.5σ)$-3,110$-7,019+$8,581-$3,290
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (10 × $53): -$6,937
Total Position P&L @ SS: $-6,617 (+$8,983 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: $-3,290, the opportunity cost of earning $600/mo FIGHT income now)
33% normal9 × $5017 Jul2d9.7%88%24%$135$2,025-$810$8,845
Sell 9 × $50 9.7% OTM over spot $45.57 17 Jul 2026 (2d, $0.36 mid)
= $135 credit for the 2d cycle → $2,025/mo projected
Survival (stays ≤ $50)
88%
Breach risk
12%
POP (stays ≤ $50.35)
90%
EV / mo
+$226
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.1 mo [0.5-2.6] median, 0.1 mo faster than no FIGHT (1.1 mo)  ·  68% of paths whole by 9 mo (vs 66% without)  ·  ~8.5 challenges expected  ·  median CC cash $3,196
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
11%
Flat exit net (mid-life)
-$1,458
Free roll-up
none
Safest escape (by 31 Jul 2026)
$54 @ 79% POP
72% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 9 calls + sell the new ones, one order. Prices assume the central case (day 1 of 2); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $2.50/sh now → $1.77 mid-life (likely $1.86–$3.52)≈ $0 at expiry  |  you banked $0.15/sh, so a flat mid-life exit nets -$1.62/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 339 simulated challenges: the $50 strike is typically first touched on day 2 of 2, at $51 (overshoots $1.29). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (9 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Max even-money escape in the band~$5431 Jul 202615d left+$0.53/sh+$476
cycle +$611
[-$447…+$457] · 61% credit
79%
surv 72%
-$5,166 NOT
cap gain +$10,434
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Roll out (same strike, buy time)~$5024 Jul 20268d left-$0.09/sh-$79
cycle +$56
[-$1,084…-$106] · 18% credit
63%
surv 53%
-$10,616 NOT
cap gain +$4,984
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$2,025/mo
vs 50% target ($2,794/mo)-28%
vs normal income ($5,587/mo)36% covered
Net income (after hedge)$1,967/mo
Downside budget
⚠ $50 is $10 below CC-SS $59.98: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$8,845
… as % of IC ($7,300)121.2%
… as % of ML ($47,300)18.7%
Recovery months (at normal income)1.6 mo
Surgical close (9 ct)$-14,224
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.04/sh (~25% of the $0.15 collected) or spot ≥ $50.35 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $50)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 4d left3d left≤ 2d (expiry)
Below $49.50Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$50-50.35
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $50.35
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$50.00 (1.5σ)$135$-10,537+$5,063-$162
+2.5%$51.25 (1.9σ)$-990$-10,281+$5,319-$1,287
+5%$52.50 (2.3σ)$-2,115$-10,024+$5,576-$2,412
SS (= V-bounce)$56.15 (3.5σ)$-5,400$-9,291+$6,309-$5,562
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (9 × $50): -$8,845
− Conservative CC assignment net of premium (1 × $56): -$365
Total Position P&L @ SS: $-8,889 (+$6,711 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: $-5,562, the opportunity cost of earning $2,025/mo FIGHT income now)
🎯 50% normal9 × $4917 Jul2d7.5%83%19%$189$2,835$9,691
Sell 9 × $49 7.5% OTM over spot $45.57 17 Jul 2026 (2d, $0.46 mid)
= $189 credit for the 2d cycle → $2,835/mo projected
Survival (stays ≤ $49)
83%
Breach risk
17%
POP (stays ≤ $49.47)
86%
EV / mo
$-156
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.2 mo [0.6-2.4] median, 0.1 mo faster than no FIGHT (1.3 mo)  ·  66% of paths whole by 9 mo (vs 64% without)  ·  ~13.1 challenges expected  ·  median CC cash $4,344
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
19%
Flat exit net (mid-life)
-$1,372
Free roll-up
+$2/wk
Safest escape (by 31 Jul 2026)
$53 @ 79% POP
72% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 9 calls + sell the new ones, one order. Prices assume the central case (day 1 of 2); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $2.45/sh now → $1.73 mid-life (likely $1.84–$3.53)≈ $0 at expiry  |  you banked $0.21/sh, so a flat mid-life exit nets -$1.52/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 557 simulated challenges: the $49 strike is typically first touched on day 2 of 2, at $50 (overshoots $1.33). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (9 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Reliable up-and-out (highest cap still free ≥60%)~$5131 Jul 202615d left+$0.63/sh+$567
cycle +$756
[-$400…+$537] · 61% credit
73%
surv 64%
-$8,336 NOT
cap gain +$7,264
Max even-money escape in the band~$5331 Jul 202615d left+$0.53/sh+$475
cycle +$664
[-$478…+$441] · 56% credit
79%
surv 72%
-$6,218 NOT
cap gain +$9,382
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Up-and-out for even (raise the cap, free)~$5124 Jul 20268d left+$0.00/sh+$4
cycle +$193
[-$914…-$38] · 20% credit
76%
surv 67%
-$8,899 NOT
cap gain +$6,701
Roll out (same strike, buy time)~$4924 Jul 20268d left-$0.07/sh-$62
cycle +$127
[-$1,104…-$102] · 19% credit
63%
surv 53%
-$11,650 NOT
cap gain +$3,950
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$2,835/mo
vs 50% target ($2,794/mo)+1%
vs normal income ($5,587/mo)51% covered
Net income (after hedge)$2,777/mo
Downside budget
⚠ $49 is $11 below CC-SS $59.98: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$9,691
… as % of IC ($7,300)132.7%
… as % of ML ($47,300)20.5%
Recovery months (at normal income)1.7 mo
Surgical close (9 ct)$-14,269
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.05/sh (~25% of the $0.21 collected) or spot ≥ $49.47 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $49)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 4d left3d left≤ 2d (expiry)
Below $48.51Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$49-49.47
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $49.47
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$49.00 (1.1σ)$189$-11,588+$4,012-$108
+2.5%$50.22 (1.6σ)$-913$-11,337+$4,263-$1,210
+5%$51.45 (2.0σ)$-2,016$-11,086+$4,514-$2,313
SS (= V-bounce)$56.15 (3.5σ)$-6,246$-10,137+$5,463-$6,408
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (9 × $49): -$9,691
− Conservative CC assignment net of premium (1 × $56): -$365
Total Position P&L @ SS: $-9,735 (+$5,865 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: $-6,408, the opportunity cost of earning $2,835/mo FIGHT income now)
100% normal7 × $4717 Jul2d3.1%67%67%$385$5,775+$2,940$8,699
Sell 7 × $47 3.1% OTM over spot $45.57 17 Jul 2026 (2d, $0.97 mid)
= $385 credit for the 2d cycle → $5,775/mo projected
Survival (stays ≤ $47)
67%
Breach risk
33%
POP (stays ≤ $47.97)
76%
EV / mo
$-589
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.0 mo [0.5-2.5] median  ·  70% of paths whole by 9 mo (vs 61% without)  ·  ~25.2 challenges expected  ·  median CC cash $5,453
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
43%
Flat exit net (mid-life)
-$779
Free roll-up
+$2/wk
Safest escape (by 31 Jul 2026)
$53 @ 83% POP
79% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 7 calls + sell the new ones, one order. Prices assume the central case (day 1 of 2); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $2.35/sh now → $1.66 mid-life (likely $2.02–$4.05)≈ $0 at expiry  |  you banked $0.55/sh, so a flat mid-life exit nets -$1.11/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 1,276 simulated challenges: the $47 strike is typically first touched on day 1 of 2, at $49 (overshoots $1.58). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (7 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Reliable up-and-out (highest cap still free ≥60%)~$4831 Jul 202615d left+$0.99/sh+$692
cycle +$1,077
[-$286…+$575] · 63% credit
69%
surv 58%
-$11,816 NOT
cap gain +$3,784
Max even-money escape in the band~$5131 Jul 202615d left+$0.52/sh+$364
cycle +$749
[-$644…+$233] · 43% credit
80%
surv 72%
-$8,277 NOT
cap gain +$7,323
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Up-and-out for even (raise the cap, free)~$4924 Jul 20268d left+$0.02/sh+$14
cycle +$399
[-$953…-$117] · 11% credit
76%
surv 67%
-$10,837 NOT
cap gain +$4,763
Roll out (same strike, buy time)~$4724 Jul 20268d left-$0.03/sh-$23
cycle +$362
[-$1,126…-$169] · 9% credit
63%
surv 53%
-$13,559 NOT
cap gain +$2,041
Safety roll (pay small debit, max POP)~$5331 Jul 202615d left-$0.22/sh-$154
cycle +$231
[-$1,352…-$320] · 4% credit
83%
surv 79%
-$6,585 NOT
cap gain +$9,015
budget: banked $385 debit $154 (40% used ≈ 0.1 wk of income) → whole cycle still +$231 cash · rolled 7 ct earn ≈ $2,020/mo while parked; 3 ct free to re-sell
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$5,775/mo
vs 50% target ($2,794/mo)+107%
vs normal income ($5,587/mo)103% covered
Net income (after hedge)$5,841/mo
Downside budget
⚠ $47 is $13 below CC-SS $59.98: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$8,699
… as % of IC ($7,300)119.2%
… as % of ML ($47,300)18.4%
Recovery months (at normal income)1.6 mo
Surgical close (7 ct)$-11,214
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.14/sh (~25% of the $0.55 collected) or spot ≥ $47.97 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $47)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 4d left3d left≤ 2d (expiry)
Below $46.53Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$47-47.97
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $47.97
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$47.00 (≤1σ, normal week)$385$-13,536+$2,064+$154
+2.5%$48.17 (≤1σ, normal week)$-437$-13,060+$2,540-$668
+5%$49.35 (1.3σ)$-1,260$-12,584+$3,016-$1,491
SS (= V-bounce)$56.15 (3.5σ)$-6,020$-9,875+$5,725-$6,146
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (7 × $47): -$8,699
− Conservative CC assignment net of premium (3 × $56): -$1,094
Total Position P&L @ SS: $-9,473 (+$6,127 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: $-6,146, the opportunity cost of earning $5,775/mo FIGHT income now)
A nudge, not a rule: the engine maximizes income at acceptable safety; this weighs the income you would give up against the breach risk you would shed. Your hedge bleed and your read on ENPH are the tiebreakers.

📅 NEXT FRIDAY · 24 Jul 2026 · 9d · E[net] $-1,128/mo 🏆 GRAND PICK

🎯 Engine pick: sell 10 × $49 (primary), 72% survival, breach 28%, $2,900/mo.
⚖️ Worth a safer step: the $52 rung (33% normal) lifts survival to 85% (breach 28% → 15%) for $967/mo less (33% income), and it still covers your hedge. The pick sits below the ~80% (≈1σ) comfort line; on a drawdown you are nursing back, dodging the frequent breach usually beats the extra premium. Lean: the safer $52 rung, unless you need the income to cover the hedge bleed, or you expect ENPH to stay flat-to-down near term.
ENPH  spot $45.57 · click a rung to expand its decision panel
RungSellExpiryDTEOTMSurvivalTouch oddsPer cycleIncome/moΔ vs pickCap give-up
cover hedge4 × $6024 Jul9d31.7%98%4%$40$133-$2,767$0
Sell 4 × $60 31.7% OTM over spot $45.57 24 Jul 2026 (9d, $0.50 mid)
= $40 credit for the 9d cycle → $133/mo projected
Survival (stays ≤ $60)
98%
Breach risk
2%
POP (stays ≤ $60.50)
98%
EV / mo
+$105
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.3 mo [0.6-2.7] median  ·  63% of paths whole by 9 mo (vs 64% without)  ·  ~0.4 challenges expected  ·  median CC cash $1,270
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
3%
Flat exit net (mid-life)
-$1,265
Free roll-up
none
Safest escape (by 31 Jul 2026)
$59 @ 68% POP
50% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 4 calls + sell the new ones, one order. Prices assume the central case (day 4 of 9); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $4.61/sh now → $3.26 mid-life (likely $2.25–$4.59)≈ $0 at expiry  |  you banked $0.10/sh, so a flat mid-life exit nets -$3.16/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 92 simulated challenges: the $60 strike is typically first touched on day 7 of 9, at $62 (overshoots $1.84). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (4 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Max even-money escape in the band~$5931 Jul 202612d left+$0.73/sh+$292
cycle +$332
[+$281…+$692] · 98% credit
68%
surv 50%
-$1,812 NOT
cap gain +$13,788
Roll out (same strike, buy time)~$6031 Jul 202612d left-$0.34/sh-$134
cycle -$94
[-$265…+$245] · 45% credit
66%
surv 53%
-$1,951 NOT
cap gain +$13,649
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$133/mo
vs 50% target ($2,794/mo)-95%
vs normal income ($5,587/mo)2% covered
Net income (after hedge)$385/mo
Downside budget
✓ $60 is at/above CC-SS $59.98: assignment is break-even or better.
Cap give-up @ CC-SS (V-bounce)-$0
… as % of IC ($7,300)0.0%
… as % of ML ($47,300)0.0%
Recovery months (at normal income)0.0 mo
Surgical close (4 ct)$-6,400
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.03/sh (~25% of the $0.10 collected) or spot ≥ $60.50 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $60)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $59.40Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$59-60.50
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $60.50
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$60.00 (2.3σ)$40$-1,817+$13,783+$1,508
+2.5%$61.50 (2.5σ)$-560$-1,659+$13,941+$1,508
+5%$63.00 (2.7σ)$-1,160$-1,502+$14,098+$1,508
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (4 × $60): -$0
− Conservative CC assignment net of premium (6 × $56): -$2,188
Total Position P&L @ SS: $-1,868 (+$13,732 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: +$1,459, the opportunity cost of earning $133/mo FIGHT income now)
🛡 safe yield10 × $5524 Jul9d20.7%92%16%$260$867-$2,033$4,717
Sell 10 × $55 20.7% OTM over spot $45.57 24 Jul 2026 (9d, $0.43 mid)
= $260 credit for the 9d cycle → $867/mo projected
Survival (stays ≤ $55)
92%
Breach risk
8%
POP (stays ≤ $55.43)
93%
EV / mo
+$392
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.6 mo [0.8-3.2] median  ·  62% of paths whole by 9 mo (vs 61% without)  ·  ~1.9 challenges expected  ·  median CC cash $1,765
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
11%
Flat exit net (mid-life)
-$2,732
Free roll-up
none
Safest escape (by 31 Jul 2026)
$54 @ 68% POP
50% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 10 calls + sell the new ones, one order. Prices assume the central case (day 4 of 9); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $4.23/sh now → $2.99 mid-life (likely $2.54–$4.46)≈ $0 at expiry  |  you banked $0.26/sh, so a flat mid-life exit nets -$2.73/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 327 simulated challenges: the $55 strike is typically first touched on day 6 of 9, at $57 (overshoots $1.65). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (10 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Max even-money escape in the band~$5431 Jul 202612d left+$0.89/sh+$890
cycle +$1,150
[+$662…+$1,458] · 96% credit
68%
surv 50%
-$4,660 NOT
cap gain +$10,940
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Roll out (same strike, buy time)~$5531 Jul 202612d left-$0.15/sh-$153
cycle +$107
[-$675…+$405] · 39% credit
66%
surv 53%
-$5,073 NOT
cap gain +$10,527
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$867/mo
vs 50% target ($2,794/mo)-69%
vs normal income ($5,587/mo)16% covered
Net income (after hedge)$747/mo
Downside budget
⚠ $55 is $5 below CC-SS $59.98: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$4,717
… as % of IC ($7,300)64.6%
… as % of ML ($47,300)10.0%
Recovery months (at normal income)0.8 mo
Surgical close (10 ct)$-15,770
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.07/sh (~25% of the $0.26 collected) or spot ≥ $55.43 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $55)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $54.45Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$54-55.43
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $55.43
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$55.00 (1.5σ)$260$-4,920+$10,680-$70
+2.5%$56.37 (1.7σ)$-1,115$-4,775+$10,825-$1,070
+5%$57.75 (1.9σ)$-2,490$-4,631+$10,969-$1,070
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (10 × $55): -$4,717
Total Position P&L @ SS: $-4,397 (+$11,203 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: $-1,070, the opportunity cost of earning $867/mo FIGHT income now)
33% normal ← lean10 × $5224 Jul9d14.1%85%32%$580$1,933-$967$7,397
Sell 10 × $52 14.1% OTM over spot $45.57 24 Jul 2026 (9d, $0.79 mid)
= $580 credit for the 9d cycle → $1,933/mo projected
Survival (stays ≤ $52)
85%
Breach risk
15%
POP (stays ≤ $52.79)
87%
EV / mo
+$649
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.6 mo [0.7-3.0] median  ·  66% of paths whole by 9 mo (vs 62% without)  ·  ~3.7 challenges expected  ·  median CC cash $3,411
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
23%
Flat exit net (mid-life)
-$2,249
Free roll-up
none
Safest escape (by 31 Jul 2026)
$51 @ 68% POP
50% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 10 calls + sell the new ones, one order. Prices assume the central case (day 4 of 9); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $4.00/sh now → $2.83 mid-life (likely $2.82–$4.35)≈ $0 at expiry  |  you banked $0.58/sh, so a flat mid-life exit nets -$2.25/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 691 simulated challenges: the $52 strike is typically first touched on day 5 of 9, at $53 (overshoots $1.39). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (10 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Max even-money escape in the band~$5131 Jul 202612d left+$0.97/sh+$968
cycle +$1,548
[+$589…+$1,219] · 98% credit
68%
surv 50%
-$7,577 NOT
cap gain +$8,023
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Roll out (same strike, buy time)~$5231 Jul 202612d left-$0.06/sh-$58
cycle +$522
[-$678…+$127] · 29% credit
66%
surv 53%
-$7,972 NOT
cap gain +$7,628
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$1,933/mo
vs 50% target ($2,794/mo)-31%
vs normal income ($5,587/mo)35% covered
Net income (after hedge)$1,813/mo
Downside budget
⚠ $52 is $8 below CC-SS $59.98: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$7,397
… as % of IC ($7,300)101.3%
… as % of ML ($47,300)15.6%
Recovery months (at normal income)1.3 mo
Surgical close (10 ct)$-15,810
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.14/sh (~25% of the $0.58 collected) or spot ≥ $52.79 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $52)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $51.48Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$51-52.79
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $52.79
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$52.00 (1.0σ)$580$-7,915+$7,685+$250
+2.5%$53.30 (1.2σ)$-720$-7,778+$7,822-$1,050
+5%$54.60 (1.4σ)$-2,020$-7,642+$7,958-$2,350
SS (= V-bounce)$56.15 (1.7σ)$-3,570$-7,479+$8,121-$3,750
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (10 × $52): -$7,397
Total Position P&L @ SS: $-7,077 (+$8,523 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: $-3,750, the opportunity cost of earning $1,933/mo FIGHT income now)
🎯 50% normal10 × $4924 Jul9d7.5%72%45%$870$2,900$10,107
Sell 10 × $49 7.5% OTM over spot $45.57 24 Jul 2026 (9d, $1.32 mid)
= $870 credit for the 9d cycle → $2,900/mo projected
Survival (stays ≤ $49)
72%
Breach risk
28%
POP (stays ≤ $50.33)
78%
EV / mo
$-186
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.5 mo [0.7-3.3] median  ·  68% of paths whole by 9 mo (vs 64% without)  ·  ~7.9 challenges expected  ·  median CC cash $4,050
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
45%
Flat exit net (mid-life)
-$1,795
Free roll-up
+$0/wk
Safest escape (by 31 Jul 2026)
$51 @ 74% POP
65% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 10 calls + sell the new ones, one order. Prices assume the central case (day 4 of 9); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $3.77/sh now → $2.67 mid-life (likely $3.08–$4.39)≈ $0 at expiry  |  you banked $0.87/sh, so a flat mid-life exit nets -$1.80/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 1,360 simulated challenges: the $49 strike is typically first touched on day 4 of 9, at $50 (overshoots $1.34). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (10 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Up-and-out for even (raise the cap, free)~$4931 Jul 202612d left+$0.04/sh+$41
cycle +$911
[-$683…-$55] · 23% credit
68%
surv 55%
-$10,423 NOT
cap gain +$5,177
Max even-money escape in the band~$4931 Jul 202612d left+$0.04/sh+$41
cycle +$911
[-$683…-$55] · 23% credit
68%
surv 55%
-$10,423 NOT
cap gain +$5,177
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Roll out (same strike, buy time)~$4931 Jul 202612d left+$0.03/sh+$28
cycle +$898
[-$738…-$70] · 22% credit
66%
surv 53%
-$10,912 NOT
cap gain +$4,688
Safety roll (pay small debit, max POP)~$5131 Jul 202612d left-$0.71/sh-$709
cycle +$161
[-$1,576…-$895] · 5% credit
74%
surv 65%
-$8,963 NOT
cap gain +$6,637
budget: banked $870 debit $709 (81% used ≈ 1.1 wk of income) → whole cycle still +$161 cash · rolled 10 ct earn ≈ $4,892/mo while parked; 0 ct free to re-sell
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$2,900/mo
vs 50% target ($2,794/mo)+4%
vs normal income ($5,587/mo)52% covered
Net income (after hedge)$2,780/mo
Downside budget
⚠ $49 is $11 below CC-SS $59.98: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$10,107
… as % of IC ($7,300)138.5%
… as % of ML ($47,300)21.4%
Recovery months (at normal income)1.8 mo
Surgical close (10 ct)$-16,055
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.22/sh (~25% of the $0.87 collected) or spot ≥ $50.33 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $49)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $48.51Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$49-50.33
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $50.33
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$49.00 (≤1σ, normal week)$870$-10,940+$4,660+$540
+2.5%$50.22 (≤1σ, normal week)$-355$-10,811+$4,789-$685
+5%$51.45 (≤1σ, normal week)$-1,580$-10,683+$4,917-$1,910
SS (= V-bounce)$56.15 (1.7σ)$-6,280$-10,189+$5,411-$6,460
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (10 × $49): -$10,107
Total Position P&L @ SS: $-9,787 (+$5,813 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: $-6,460, the opportunity cost of earning $2,900/mo FIGHT income now)
100% normal10 × $4824 Jul9d5.3%67%69%$1,800$6,000+$3,100$10,177
Sell 10 × $48 5.3% OTM over spot $45.57 24 Jul 2026 (9d, $1.96 mid)
= $1,800 credit for the 9d cycle → $6,000/mo projected
Survival (stays ≤ $48)
67%
Breach risk
33%
POP (stays ≤ $49.95)
77%
EV / mo
+$1,982
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.4 mo [0.7-3.1] median, 0.1 mo faster than no FIGHT (1.5 mo)  ·  73% of paths whole by 9 mo (vs 64% without)  ·  ~9.4 challenges expected  ·  median CC cash $6,491
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
56%
Flat exit net (mid-life)
-$811
Free roll-up
+$0/wk
Safest escape (by 31 Jul 2026)
$54 @ 84% POP
81% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 10 calls + sell the new ones, one order. Prices assume the central case (day 4 of 9); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $3.69/sh now → $2.61 mid-life (likely $3.32–$4.57)≈ $0 at expiry  |  you banked $1.80/sh, so a flat mid-life exit nets -$0.81/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 1,665 simulated challenges: the $48 strike is typically first touched on day 3 of 9, at $49 (overshoots $1.33). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (10 ct)POP / surv
of new CC
If rolled & exited
total P&L · cap gain @ new strike
Up-and-out for even (raise the cap, free)~$4831 Jul 202612d left+$0.07/sh+$66
cycle +$1,866
[-$752…-$221] · 15% credit
68%
surv 55%
-$10,574 NOT
cap gain +$5,026
Max even-money escape in the band~$4831 Jul 202612d left+$0.07/sh+$66
cycle +$1,866
[-$752…-$221] · 15% credit
68%
surv 55%
-$10,574 NOT
cap gain +$5,026
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Roll out (same strike, buy time)~$4831 Jul 202612d left+$0.05/sh+$55
cycle +$1,855
[-$809…-$247] · 14% credit
66%
surv 53%
-$11,060 NOT
cap gain +$4,540
Safety roll (pay small debit, max POP)~$5431 Jul 202612d left-$1.53/sh-$1,528
cycle +$272
[-$2,724…-$1,956]
84%
surv 81%
-$5,538 NOT
cap gain +$10,062
budget: banked $1,800 debit $1,528 (85% used ≈ 1.1 wk of income) → whole cycle still +$272 cash · rolled 10 ct earn ≈ $2,706/mo while parked; 0 ct free to re-sell
If rolled & exited = your total from-entry P&L if you roll to that strike and then close the whole fortress with the stock pinned there (all legs repriced; SAFE = P&L ≥ 0). Cap gain is what that roll earns THIS cycle (premium + appreciation from today to the new strike); the total adds your existing MTM on top. Same from-entry basis as this tool's @cap / total-exit numbers, at the rolled strike.
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$6,000/mo
vs 50% target ($2,794/mo)+115%
vs normal income ($5,587/mo)107% covered
Net income (after hedge)$5,880/mo
Downside budget
⚠ $48 is $12 below CC-SS $59.98: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$10,177
… as % of IC ($7,300)139.4%
… as % of ML ($47,300)21.5%
Recovery months (at normal income)1.8 mo
Surgical close (10 ct)$-15,755
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.45/sh (~25% of the $1.80 collected) or spot ≥ $49.95 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $48)); NOT the premium you collected. Momentum override: two daily closes above $52.33 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $47.52Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$48-49.95
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $49.95
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.10 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$48.00 (≤1σ, normal week)$1,800$-11,115+$4,485+$1,470
+2.5%$49.20 (≤1σ, normal week)$600$-10,989+$4,611+$270
+5%$50.40 (≤1σ, normal week)$-600$-10,863+$4,737-$930
SS (= V-bounce)$56.15 (1.7σ)$-6,350$-10,259+$5,341-$6,530
V-BOUNCE STRESS (stock → CC-SS $59.98, where you are whole again, by expiry)
Starting unrealized P&L: $-15,600
+ Fortress recovery (un-capped): +$15,920
− CC assignment net of premium (10 × $48): -$10,177
Total Position P&L @ SS: $-9,857 (+$5,743 vs today)
Do-nothing baseline at SS: $-3,327 (this trade vs do-nothing: $-6,530, the opportunity cost of earning $6,000/mo FIGHT income now)
A nudge, not a rule: the engine maximizes income at acceptable safety; this weighs the income you would give up against the breach risk you would shed. Your hedge bleed and your read on ENPH are the tiebreakers.
⚔ FIGHT CC options · full candidate scan (28 clear the floor), click to expand

Every eligible strike x expiry in the 2-45 DTE band (3 expiries scanned, 28 clear the income floor), each sized to the minimum contracts that clear it. Sorted by survival (safest first): the primary 🎯 is the safest; rows below trade safety for income.

Fortress delta: 1.105 (IBKR)  |  Recovery@SS: +$15,920 (un-capped fortress gain if stock rallies to SS)  |  Do-nothing @ SS: $-3,327

StrikeDTEExpiryBidSellIncome/moNet/moSurvivalPOP (mid)EV/moCap Give-up @ CC-SS%ICTotal P&L @ SS
$492d17 Jul 2026$0.219/10$2,835$2,77783%86%$-156-$9,691132.7%$-9,735 (vs do-nothing $-6,408)
$48.502d17 Jul 2026$0.356/10$3,150$3,27880%84%+$575-$6,67691.5%$-7,815 (vs do-nothing $-4,488)
$5216d31 Jul 2026$1.5010/10$2,812$2,69279%84%+$1,185-$6,47788.7%$-6,157 (vs do-nothing $-2,830)
$482d17 Jul 2026$0.326/10$2,880$3,00876%81%$-442-$6,99495.8%$-8,133 (vs do-nothing $-4,806)
$5116d31 Jul 2026$1.5410/10$2,888$2,76876%82%+$891-$7,437101.9%$-7,117 (vs do-nothing $-3,790)
$5016d31 Jul 2026$2.257/10$2,953$3,01972%81%+$1,249-$5,40974.1%$-6,183 (vs do-nothing $-2,856)
$499d24 Jul 2026$0.8710/10$2,900$2,78072%78%$-186-$10,107138.5%$-9,787 (vs do-nothing $-6,460)
$49.5016d31 Jul 2026$1.898/10$2,835$2,83970%80%+$690-$6,87094.1%$-7,279 (vs do-nothing $-3,952)
$48.509d24 Jul 2026$0.8510/10$2,833$2,71370%76%$-694-$10,627145.6%$-10,307 (vs do-nothing $-6,980)
$4916d31 Jul 2026$2.207/10$2,888$2,95369%79%+$824-$6,14484.2%$-6,918 (vs do-nothing $-3,591)
$472d17 Jul 2026$0.554/10$3,300$3,55167%76%$-336-$4,97168.1%$-6,839 (vs do-nothing $-3,512)
$489d24 Jul 2026$1.805/10$3,000$3,18967%77%+$991-$5,08969.7%$-6,592 (vs do-nothing $-3,265)
$48.5016d31 Jul 2026$2.137/10$2,796$2,86167%78%+$531-$6,54389.6%$-7,317 (vs do-nothing $-3,990)
Show 15 more candidates (lower strikes: more income, lower survival)
StrikeDTEExpiryBidSellIncome/moNet/moSurvivalPOP (mid)EV/moCap Give-up @ CC-SS%ICTotal P&L @ SS
$4816d31 Jul 2026$2.357/10$3,084$3,15065%76%+$604-$6,73992.3%$-7,513 (vs do-nothing $-4,186)
$47.509d24 Jul 2026$1.098/10$2,907$2,91064%74%$-714-$9,110124.8%$-9,519 (vs do-nothing $-6,192)
$47.5016d31 Jul 2026$2.387/10$3,124$3,18962%76%+$411-$7,06896.8%$-7,842 (vs do-nothing $-4,515)
$479d24 Jul 2026$1.287/10$2,987$3,05261%72%$-602-$8,188112.2%$-8,962 (vs do-nothing $-5,635)
$4716d31 Jul 2026$2.506/10$2,812$2,94060%74%+$274-$6,28686.1%$-7,425 (vs do-nothing $-4,098)
$46.509d24 Jul 2026$1.436/10$2,860$2,98859%71%$-612-$7,22899.0%$-8,367 (vs do-nothing $-5,040)
$46.5016d31 Jul 2026$2.706/10$3,038$3,16558%73%+$271-$6,46688.6%$-7,605 (vs do-nothing $-4,278)
$462d17 Jul 2026$0.733/10$3,285$3,59856%71%$-1,050-$3,97454.4%$-6,207 (vs do-nothing $-2,880)
$4616d31 Jul 2026$3.105/10$2,906$3,09656%72%+$399-$5,43974.5%$-6,942 (vs do-nothing $-3,615)
$469d24 Jul 2026$1.705/10$2,833$3,02355%69%$-421-$6,13984.1%$-7,642 (vs do-nothing $-4,315)
$45.5016d31 Jul 2026$3.055/10$2,859$3,04953%71%+$137-$5,71478.3%$-7,217 (vs do-nothing $-3,890)
$45.509d24 Jul 2026$1.705/10$2,833$3,02352%68%$-813-$6,38987.5%$-7,892 (vs do-nothing $-4,565)
$4516d31 Jul 2026$4.154/10$3,113$3,36451%71%+$752-$4,33159.3%$-6,199 (vs do-nothing $-2,872)
$459d24 Jul 2026$1.955/10$3,250$3,43949%67%$-820-$6,51489.2%$-8,017 (vs do-nothing $-4,690)
$452d17 Jul 2026$1.402/10$4,200$4,57545%67%$-187-$2,71537.2%$-5,313 (vs do-nothing $-1,986)

Income/mo = FIGHT leg gross, DTE-prorated. Net/mo = FIGHT + conservative CC gross minus hedge cost. POP (mid) = probability stock closes at or below (strike + mid premium) at expiry, per-strike chain IV when available. Survival = CC expires fully worthless. EV/mo = premium minus expected buyback, monthly, with realized vol = IV x 85% (variance risk premium 15%). Cap give-up @ SS = recovery mortgaged on a V-bounce to SS, net of premium. Total P&L @ SS = absolute position P&L if the stock closes at SS; "vs do-nothing" = opportunity cost against holding all 10 contracts at the conservative CC.

fortress_fight.py v6.1  |  2026-07-15 21:39