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Tax-Efficient Investing and Asset Location Planner

Looks at where your investments are held, not what you own. See an estimated annual tax drag on your taxable holdings, common asset-location mismatches, potential tax-loss harvesting candidates, and after-tax growth scenarios — with no recommendation to buy or sell anything.

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Before You Begin

  • This tool is an educational estimate about where your investments are held. It never tells you to buy or sell a specific security, and it never names one.
  • Qualified vs. nonqualified dividend and interest treatment is always something you select yourself — this tool doesn't look up how any specific fund's distributions are actually classified.
  • Tax-loss harvesting candidates are flagged for you to research, not to act on automatically. The IRS wash-sale rule can disallow a loss if you buy a substantially identical security within 30 days before or after selling.
  • Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.

1Your Holdings

Add each holding with its account type and asset class. For taxable holdings, cost basis and yield are optional but unlock the tax-drag estimate and tax-loss harvesting check.

2Tax Rates

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3Growth Projection

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This tool provides general educational estimates, not personalized tax or investment advice, and never recommends buying or selling a specific security. Read our full disclaimer →

Your Results

Fill in what you have above, then select "Review My Asset Location" to see your results.