Asset location and household tax
Where every asset belongs. Modeled after tax.
Portfolio tax modeling across every account you own.
Every result shows its inputs and its method. Each check is published with its source in the verification suite.
No account needed for the sample household or the historical backtest. Sign in free to save an analysis.
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.