Net Unrealized Appreciation (NUA) Calculator
Compare NUA strategy vs IRA rollover for employer stock. See LTCG vs ordinary income tax savings.
NUA Amount
$75,000.00
Tax Savings (NUA vs IRA)
$12,750.00
Savings Percentage
39.84%
NUA Strategy
| Total Cost Basis | $25,000.00 |
| Total Market Value | $100,000.00 |
| Net Unrealized Appreciation | $75,000.00 |
| Tax Now (basis @ 32%) | $8,000.00 |
| Tax Later (NUA @ 15% LTCG) | $11,250.00 |
| Total Tax — NUA Strategy | $19,250.00 |
IRA Rollover Comparison
| Total Tax — IRA Rollover (all @ 32%) | $32,000.00 |
| Total Tax — NUA Strategy | $19,250.00 |
| Tax Savings with NUA | $12,750.00 |
Use the Net Unrealized Appreciation (NUA) Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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