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Tax-Smart Calculator

Tax-Smart Investing Calculator | MFG Financial Advisors
MFG Financial Advisors
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Tax-Smart Investing Calculator

Explore how account type, tax-loss harvesting, and RMD planning affect your long-term wealth. Adjust the sliders to reflect your situation.

Your inputs
$10,000
24%
22%
20 yrs
7%
Projected after-tax value at retirement
Tax-free (Roth)
After-tax value
—
Post-tax contributions. Growth & withdrawals tax-free.
Tax-deferred (401k/IRA)
After-tax value
—
Pre-tax contributions. Withdrawals taxed as income.
Taxable brokerage
After-tax value
—
No tax break. Capital gains taxed annually.
Tax drag comparison

Not sure which accounts to prioritize for your situation?

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Tax-loss harvesting estimator

Tax-loss harvesting turns investment losses into tax savings by selling losing positions to offset gains — without changing your overall market exposure.

$50,000
$20,000
15%
Gains after harvesting
—
Tax saved this year
—
Effective rate on gains
—
How it works

Tax-loss harvesting requires careful execution to avoid wash-sale rules. An advisor can identify opportunities and implement them correctly.

Talk to an advisor →
RMD estimator

Required Minimum Distributions must begin at age 73. Poor planning can push you into a higher tax bracket. See what your RMDs could look like — and how to prepare.

65
$750K
6%
22%
Est. balance at age 73
—
First RMD (age 73)
—
Tax owed on first RMD
—
Projected RMDs — first 5 years

Roth conversions before age 73 can significantly reduce your RMD burden. An advisor can model the optimal conversion strategy for your situation.

Explore Roth conversion strategies →
Important disclosures: This calculator is provided for educational and illustrative purposes only. Results are hypothetical projections based on simplified assumptions and do not constitute investment, tax, or legal advice. Actual results will vary based on individual circumstances, market conditions, and other factors not reflected in this tool. Tax rates, contribution limits, and RMD factors are subject to change by law. This tool does not account for all variables that may affect your financial situation. You should consult a qualified financial advisor, tax professional, or attorney before making any investment or financial planning decisions. Securities offered through a registered broker-dealer. Past performance is not indicative of future results.