Asset location and household tax
Compare asset placement. See the modeled tax effect.
Results show their inputs and methods. See the published checks in the verification suite.
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One household, every tool
Everything the tools read.
What each tool reads from this household
- Household
- What do we hold, and where? $1,274,100. 4 accounts across 2 members, with every tax lot.
- Tax-Aware Allocator
- Is anything off target? VTI +19.36%. The largest drift from the household target allocation.
- Household Tax Opportunities
- What can we harvest this year? $21,440. Harvestable losses, the largest $15,600 in BND.
- Asset-Location Backtester
- Would different placement cost less? $12,487 to $11,442. Modeled annual tax drag under a compared account placement.
- Roth Conversion Planner
- How much room is there before RMDs? $549,545. Modeled conversions across 5 years, inside the bracket.
Model your portfolio through history, before and after tax.
| Date | Asset | Trade | Gain or loss | Illustrative tax drag |
|---|---|---|---|---|
| 2022-01-15 | VTI | Buy | N/A | 0.0% |
| 2022-04-08 | VXUS | Sell | +$740 | −0.1% |
| 2022-09-22 | VTI | Sell | +$1,280 | −0.3% |
| 2023-01-11 | BND | Buy | N/A | −0.3% |
| 2023-03-06 | VXUS | Sell | −$960 | −0.3% |
| 2023-07-18 | VTI | Sell | +$890 | −0.5% |
| 2023-11-03 | BND | Sell | +$420 | −0.7% |
| 2024-02-14 | VTI | Sell | +$2,180 | −1.0% |
| 2024-05-29 | VXUS | Buy | N/A | −1.0% |
| 2024-08-12 | SCHX | Sell | −$610 | −1.0% |
| 2024-10-07 | VTI | Buy | N/A | −1.0% |
| 2025-01-22 | BND | Sell | +$340 | −1.2% |
| 2025-04-03 | VTI | Sell | +$1,520 | −1.5% |
Start with a portfolio question
Each path opens a completed example. Change one input and rerun it.