Index card · Investments & markets
Tax-aware investing calculators
Where CPA firms and advisers overlap: account location, tax-equivalent yield, REIT distributions with the 20%2026 · IRS deduction, and 1031 exchanges.
The same dollar earns different amounts depending on the account and the tax treatment. These six calculators make that visible, and two cover 1031 exchanges, from deferred gain to the 45 calendar days to identify, 180 to close2026 · IRS deadlines.
Taxable vs. Tax-Deferred
is it better to invest in a taxable account or tax deferred
Taxable vs. Tax-Deferred vs. Tax-Free
where should I put my savings for the best tax treatment
Municipal Bond Tax-Equivalent Yield
are municipal bonds worth it in my tax bracket
REIT Tax-Equivalent Distribution
how are REIT dividends taxed
1031 Like-Kind Exchange
how much tax will I save with a 1031 exchange
1031 Exchange Timeline
when is my 45 day deadline for a 1031 exchange
When tax-aware questions appear
Taxable vs. Tax-Deferred vs. Tax-Free
Planning the year's savings. “where should I put my savings for the best tax treatment”
REIT Tax-Equivalent Distribution
When 1099-DIVs show REIT dividends. “how are REIT dividends taxed”
Municipal Bond Tax-Equivalent Yield
After filing, when the bracket is fresh in mind. “are municipal bonds worth it in my tax bracket”
1031 Like-Kind Exchange
When a property is under contract to sell. “how much tax will I save with a 1031 exchange”
1031 Exchange Timeline
The week a sale closes. “when is my 45 day deadline for a 1031 exchange”
Taxable vs. Tax-Deferred
Year-end planning and after a big taxable distribution. “is it better to invest in a taxable account or tax deferred”
Tax-aware investing: questions firms ask
What's the difference between the two taxable-vs-deferred calculators?
One compares taxable and tax-deferred growth; the other adds a tax-free (Roth-style) account to the comparison.
Does the muni calculator include the NIIT?
Clients can add 3.8%2026 · IRS to their federal rate if it applies.
How does the REIT calculator treat distributions?
It treats the whole distribution as qualified REIT dividends eligible for the 20%2026 · IRS deduction, and says real distributions are mixed.
What do the 1031 calculators show?
One estimates deferred gain; the timeline calculator gives the 45-day and 180-day dates from a closing date.
Do they replace a qualified intermediary?
No. They support the conversation; the exchange needs a QI.
Who should feature this section?
CPA firms with real estate investors, and RIAs focused on tax-efficient investing.
Do they include state tax?
The muni calculator accepts a state rate; the others work at the rates entered.
Which plan includes them?
Network.
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Embed tax-aware calculators and receive the client's bracket and goal with the request.
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