Poor Man's Covered Call (PMCC) Calculator

Your PMCC

Long LEAPS call (the stock substitute)

Short call (the income leg)

Results

Net debit (max risk)
Max profit (estimate)
Return on debit
Breakeven (cost basis)
Spread width
Short-call income
Income yield (annualized)
LEAPS time value paid

Max profit and breakeven value the LEAPS at intrinsic only at the short expiration; the real best case is usually a little better. Income yield annualizes this cycle's short-call credit against your net debit.

Probability of profit

Best guess — modeled at the short call's expiration, valuing the remaining LEAPS with Black-Scholes and assuming implied volatility holds. A two-expiration estimate, not a prediction; it ignores volatility skew, early assignment and dividends. Real outcomes will differ.

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