Tax-Efficient Fund Placement Calculator
Optimize which funds go in taxable vs tax-advantaged accounts to minimize tax drag.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
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Results
Stocks in taxable ($)
$40,000
Bonds in tax-advantaged ($)$60,000
Annual tax savings ($)$0
Total tax savings ($)$0
Tax efficiency score (0-100)0
Inefficient annual tax ($)$396
Tax Adv Amount$60,000
How to Use This Calculator
- Enter the percentage of your portfolio in taxable accounts versus tax-advantaged accounts (401k, IRA).
- Input your total portfolio value and marginal tax rate.
- Set the number of years you plan to invest.
- Review Annual Tax Savings and Total Tax Savings to see the benefit of placing bonds in tax-advantaged accounts and stocks in taxable accounts.
- Check Tax Efficiency Score (0–100) — scores above 70 indicate a well-optimized placement strategy.
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