Asset Location Calculator
Tax-efficient placement: which assets belong in taxable vs tax-deferred accounts, and the alpha from getting it right.
Formula
Same assets, same allocation, different accounts — and the after-tax outcome differs by 0.2-0.6%/yr. Rule: interest-heavy and high-turnover assets go in tax-sheltered accounts; tax-efficient equity (low dividend, low turnover) goes in taxable where LTCG and harvesting help.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need asset location calculator results fast? Analysts, founders, traders and finance professionals use the Asset Location Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Asset Location Calculator
Tax-efficient placement: which assets belong in taxable vs tax-deferred accounts, and the alpha from getting it right. Same assets, same allocation, different accounts — and the after-tax outcome differs by 0.2-0.6%/yr. Rule: interest-heavy and high-turnover assets go in tax-sheltered accounts; tax-efficient equity (low dividend, low turnover) goes in taxable where LTCG and harvesting help. The governing relationship is place income-heavy/taxed assets in deferred accounts, tax-efficient equity in taxable. The Asset Location Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Asset Location Calculator
- 1Enter Taxable account size (currency), Tax-deferred account size (currency), Equity return (%), Bond/income return (%), Tax on income/interest (%), Horizon into the Asset Location Calculator.
- 2The result is computed automatically using place income-heavy/taxed assets in deferred accounts, tax-efficient equity in taxable — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Asset Location Calculator?
- ✓Computes asset location calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Asset Location Calculator?+
Asset Location Calculator uses place income-heavy/taxed assets in deferred accounts, tax-efficient equity in taxable. Same assets, same allocation, different accounts — and the after-tax outcome differs by 0. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Asset Location Calculator need?+
Enter Taxable account size (currency), Tax-deferred account size (currency), Equity return (%), Bond/income return (%), Tax on income/interest (%), Horizon and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Asset Location Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Asset Location Calculator?+
2-0.6%/yr. Rule: interest-heavy and high-turnover assets go in tax-sheltered accounts; tax-efficient equity (low dividend, low turnover) goes in taxable where LTCG and harvesting help.
What is the Asset Location Calculator based on?+
The method follows authoritative sources: Reichenstein — asset location; Vanguard location studies. The formula and references are shown on the page so you can verify and cite the result.
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