TAX-SMART REBALANCE ESTIMATOR · 2026-06-10 consultance.ai

The
Tax-Smart
Rebalance.

A robo trims the same everywhere and mails the family a tax bill it never needed. Route the trim through the tax advantaged accounts first. See the difference in dollars.

Enter the household ↓

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Household

inputs

Total household value ($) All accounts combined. Used to compute drift dollars and account weights.

Account balances

Taxable / Joint Brokerage ($)

His IRA ($)

Her IRA ($)

Family Trust ($)

— Accounts sum: calculating…

Target allocation (IPS bands ± 5 pts)

Asset class	Current %	Target %
Equities	%	%
Fixed income	%	%
Alternatives	%	%
Cash	%	%

Tax parameters

Tax rate on a gain realized in the taxable account (%) Blended LT cap gains + NIIT. Gains inside IRAs and the trust are not taxed currently.

Share of a taxable-account trim that would realize a gain (%) Embedded gain fraction. A trim of $X in taxable realizes this % × $X of gain.

Harvestable loss available in the taxable account ($) On Path B, realized gain in the taxable account is offset dollar-for-dollar by this amount before tax is applied.

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Drift & routing

live

Asset class	Current	Target	Drift (pts)	Drift ($)	Status

Total equity to trim

—

Sum of all over-band positions

Assumption (Path B capacity): Each account is assumed to hold the household-level allocation. Equity held in tax advantaged accounts = (His IRA + Her IRA + Family Trust) × current equity fraction. This simplification is conservative: if the tax advantaged accounts hold more equities than average, capacity is higher and tax savings increase.

Tax-advantaged equity capacity vs. trim required

Tax-advantaged total —

Equity capacity (@ current eq%) —

Trim required —

Spills to taxable? —

Two rebalance paths

Path A

Proportional (the robo)

Trim spread to taxable account —

Gain realized (@ embedded %) —

Harvest offset applied None

Estimated tax bill

—

Path B

Asset-location aware

Trim routed through tax advantaged first —

Spill to taxable account —

Gain before harvest offset —

Harvest loss offset —

Net taxable gain —

Estimated tax bill

—

Estimated tax saved by routing the trim through tax advantaged accounts first

—

The order you trim in is the fee.

This is an estimate, not tax advice. A licensed tax advisor should review before execution.

Re-derive: drift dollar = (current% - target%) x household value. Tax saved = Path A tax minus Path B tax.

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The read

Calculating…

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Source tape

4 entries

IRS Section 1091, Wash Sale Rule. Asset location must respect cross account wash sales. Selling a security at a loss in the taxable account and repurchasing a substantially identical security inside an IRA within 30 days disallows the loss deduction. Coordinate harvests across all accounts.
SEC Marketing Rule 206(4)-1, Performance Advertising. Any performance figure shown to a client must be net of fees and presented fairly and in context. Estimated tax savings shown here are forward looking estimates, not gross of fee performance figures. This tool does not constitute an investment advisory advertisement.
Method note. IPS band: ±5 percentage points. Drift dollar = drift fraction × household value. Path A spreads the trim across all accounts by each account's share of total household value. Path B fills tax advantaged equity capacity first (computed as tax advantaged balance × current equity allocation fraction), then harvests available losses in the taxable account before applying the cap gains rate to any residual gain.
Disclaimer. This calculator is an illustrative estimate only, not tax or investment advice. Individual circumstances vary materially. A licensed investment advisor and CPA should review any rebalancing plan before execution. State and local taxes, AMT, and specific lot level embedded gains are not modeled here.