💡 How much more yield could I keep after taxes with a tax efficient fund?

Finn

This calculator is a handy tool for figuring out asset location—specifically, whether a high-yield fund belongs in your taxable brokerage or a tax-advantaged account like an IRA. It breaks down your fund's distributions into ordinary income, qualified dividends, and return of capital to estimate your true after-tax yield for the year. Keep in mind that while return of capital isn't taxed immediately, it does lower your cost basis, meaning you'll eventually owe capital gains taxes when you sell the fund. You'll also want to budget extra if your income is high enough to trigger the 3.8% Net Investment Income Tax, which isn't included here.

Reviewed v26.9.0