Mavilian Financial Group
Financial Planning Tool

Net Unrealized Appreciation
Tax Savings Calculator

Compare the tax impact of a standard IRA rollover vs. the NUA strategy for employer stock in your retirement plan.

Tax rates current as of: 2026 tax year. This calculator is for informational and educational purposes only and does not constitute tax, legal, investment, or financial advice. Any tax-related information is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code. Results are estimates based on 2026 federal tax rates and do not account for state taxes, the 3.8% Net Investment Income Tax, AMT, or other individual circumstances. Consult with qualified tax and financial professionals regarding your specific situation.

Your Information

Under 59½ may incur a 10% early withdrawal penalty on the cost basis
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Salary, business income, Social Security, pensions, etc.

Employer Stock in Your Plan

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What you originally paid for the stock (check your plan statement)
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Today's market value of the stock in your plan
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Mutual funds, target date funds, bonds, etc. in the same plan