Welcome
Optimal tax decision-making rarely gets the attention it deserves, given how much it’s worth. These calculators help you think through four common decisions with your own numbers. Each one is grounded in an Elm Wealth research note, so you can read the full analysis behind it.
Roth Conversion
Estimate how much wealthier you'd be by converting your Traditional IRA to a Roth today, with sensitivity to tax rates, returns, and time horizon.
Launch →Selldown
Generate an optimal multi-year selldown schedule for a concentrated position, incorporating tax-loss harvesting on the replacement ETF portfolio.
Launch →IRA Location
Solve for the optimal equity allocation across your Taxable, Traditional IRA, and Roth IRA accounts given current and projected tax rates.
Launch →Realization Timing
Find the optimal fraction of an existing capital gain to realize today versus defer, using a risk-adjusted framework that accounts for uncertainty in future asset prices.
Launch →