Tools
Calculators
Each calculator is a full decision page — not just a widget. Inputs, results, assumptions, risks, and a worked example. The goal is a defensible decision, not just a number.
Core tax & investing tools
The primary after-tax decision tools — aligned with the Learning Path Stages 1–3.
Cash Drag Calculator
LiveOpportunity cost of holding cash vs investing it — after tax on interest and after inflation, with a plain-English read on the tradeoff.
Rental Property After-Tax Return
LiveFull underwriting: cash flow, NOI, depreciation, after-tax CoC return, DSCR, cap rate, and buy/walk signal.
ETF Tax Drag Calculator
LiveQuantify the tax cost of fund placement, dividend yield, and turnover. Placement recommendation per bracket.
Tax-Loss Harvesting Savings
LiveImmediate tax savings, deferred liability, net present value, and deferral table across 1–30 year horizons.
Backdoor Roth Eligibility Checker
LiveConfirm eligibility, calculate pro-rata tax exposure, and get the step-by-step conversion checklist.
HSA Long-Term Compounding
LiveModel the triple-tax advantage of investing your HSA vs spending it — and vs a taxable account.
RSU Sell vs Hold Calculator
LiveAfter-tax math of selling RSUs at vest vs holding concentrated stock for 1–10 years.
Real estate tools
Stage 4–5 decision tools for rental property analysis, depreciation, and exit planning.
1031 Exchange Deferral Calculator
LiveCapital gains, depreciation recapture, NIIT, state tax — and total equity preserved by exchanging.
Cost Segregation Benefit Estimator
LiveYear-1 tax savings from accelerated depreciation at 100% bonus depreciation (OBBBA 2025).
Real Estate vs ETF After-Tax Return
LiveSide-by-side after-tax liquidation comparison: leveraged rental property vs index fund.
STR Material Participation Estimator
LiveCheck your hours against the three IRS safe harbor tests to qualify for STR non-passive treatment.
Portfolio & advanced tools
Specialized tools for portfolio deployment decisions and advanced estate planning.
Tax-Aware Capital Deployment Engine
Portfolio ToolRules-based framework for deploying sideline cash (from TLH proceeds, RSU sales, property exits) systematically using drawdown tranches and VIX signals.
CLAT Optimizer
Estate PlanningAdvanced estate planning: find the AGI and return inflection point where a Grantor Charitable Lead Annuity Trust outperforms a standard brokerage path.
How these calculators are designed
A calculator that only shows the upside is a sales pitch. Every tool here includes:
- → Warning flags for positions that only work because of the tax benefit
- → A clear list of what the calculator cannot account for
- → When to stop calculating and call a CPA
- → Honest comparison to the index benchmark alternative