Full engine

The whole decision, priced.

Short-term gains, harvested losses, carryforwards and heirs, all in one comparison. Everything runs in your browser.

The position you'd sell

Current value

Cost basis

Held one year or less (short-term gain)

Your tax rates federal + state

Long-term capital gains

Ordinary income

Losses and other gains optional

Other gains realized this year

Existing loss carryforward

Your assumptions total return, after fees

Return if you keep

%/yr

Return if you switch

%/yr

Years you'll hold

yrs

Likely held for heirs (step-up in basis, no final sale)

Yearly distributions optional

For funds that pay out dividends or capital gains each year. Payouts are taxed every year, and what you reinvest raises your cost basis.

Current fund pays out

%/yr

Taxed at

New investment pays out

%/yr

Taxed at

Tax due the day you sell

—

Break-even hurdle rate

—

Keep: after-tax value at the end—

Switch: after-tax value at the end—

Difference—

Switching pulls ahead in—

After-tax value over time

Switch Keep

What each path is worth if fully sold and taxed in that year.

Sensitivity

How far ahead or behind switching leaves you if the new investment earns more or less than you assumed, over shorter and longer horizons.

Coming next in the beta: tax-lot import

Upload your brokerage's cost-basis CSV and see the cost of selling each lot, and which lots are cheapest to sell first. Processed in your browser, never uploaded.

Models a single position with flat rates you supply, steady returns, yearly distributions taxed at the rates you enter, the $3,000 annual limit on deducting losses against ordinary income, tax savings reinvested in each path, and both paths fully sold at the end unless the step-up option is on. It doesn't model wash sales, NIIT, AMT or changes in tax law. Educational only, not tax or investment advice.