Net Unrealized Appreciation (NUA) Calculator

Net Unrealized Appreciation (NUA) is potentially a tax-saving strategy for investors who hold highly appreciated company stock in their 401(k). By paying taxes today on the basis in their stock, they can potentially pay a much later tax rate down the road on the appreciated portion of the asset.

How To Use This Calculator

  • This calculator will help investors determine if utilizing NUA today will create or destroy value.
  • It is prepopulated with default values for different questions. Adjust these values based on your individual circumstances to change the expected value creation.
  • This calculator assumes that current tax laws remain in place; there is always a risk that these may change, especially over long time horizons.

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