Unitary Calculator

Portfolio Value ($)

Ticker	Quantity	Cost Basis ($)	Price($) (AUTO)	USD amt

Concavity

Volatility weight power

Enter Assets

Inputs required: assets, upside/downside prices, and upside probability.

The Unitary Calculator optimally allocates your assets based on your price opinions.

Liquidity Adjustment

Inputs required: liquidity adjustment (0–100%).

Liquidity Adjustment accounts for the difficulty of liquidating an asset. For example, publicly traded stocks are generally 100% liquid, whereas a startup or real-estate position might be 50% or less.

Tax Awareness

Inputs required: quantity (current holdings), average purchase price.

Tax awareness incorporates unrealised gains and losses into the allocation. In this basic version of the calculation, some simplifying assumptions are made, e.g. all holdings are assumed to be long-term, and taxes are due immediately, etc.

Liquidity Adjustment

Tax Awareness

Total Portfolio Value($)

T-Bill Rate (%)

Global Tax Rate (%)

Assets

Fetching live prices...

Results

Recommended Action

Ticker	Wt(%)	Alloc(qty)	Alloc($)	Delta(qty)	Delta($)

Ticker	Wt(%)	Alloc(pos)	Alloc($)	Delta(pos)	Delta($)

Ticker	Wt(%)	Alloc(pos)	Alloc($)	Delta(pos)	Delta($)

Net worth

Your domicile

Descendant's domicile

Descendant's relation

Results

After federal tax

-

40% federal tax, with $15M exemption

After state tax

-

After state inheritance tax

-

	Value	Growth (%)
Crypto
Stocks
T-Bills

Runway / CoLA

Annual Cash Burn ($)

CoLA Rate (%)

LT Cap Gains Tax (%)

Number of Descendants

Descendant Annual Burn ($)

Table tick (years) Chart horizon (years)

CRUT (Charitable Remainder Unitrust)

FMV of Contribution ($)

Payout Rate (%)

Trust Term (years)

§7520 Rate (%)

Annuity Factor-

PV of Income Stream-

Annual Payout-

Charitable Deduction-

Step-Up Basis (Single Asset)

Sale Price / FMV at Death ($)

Original Cost Basis ($)

CG Tax Rate (%)

Capital Gain (no step-up)-

Tax (no step-up)-

Tax (with step-up)-

Tax Savings-

Step-Up Basis (Gift vs. Bequest)

Total FMV ($)

Total Cost Basis ($)

CG Tax Rate (%)

Estate Tax Rate (%)

Estate Exemption ($)

Gift: Heir's CG Tax-

Bequest (above exempt): Estate Tax-

Bequest (above exempt): Net Cost-

Bequest (within exempt): Net Cost-

DAF (Donor-Advised Fund)

FMV of Crypto ($)

Cost Basis ($)

CG Tax Rate (%)

Marginal Income Tax Rate (%)

Direct Crypto Donation

Deduction-

CG Tax Avoided-

Deduction Tax Benefit-

Total Tax Benefit-

Sell Then Donate Cash

CG Tax Paid-

Net Proceeds-

Deduction Tax Benefit-

Comparison

Advantage of Direct Donation-

Grantor Trust (IDGT Freeze)

FMV Sold to Trust ($)

Applicable Federal Rate (%)

Expected Annual Growth (%)

Time Horizon (years)

Estate Tax Rate (%)

Annual Interest Payment-

Total Interest Paid-

Projected Future Value-

Note Balance-

Value Transferred Free-

Estate Tax Saved-

Probate Cost Estimator (California)

Estate Value ($)

Include Executor Fees

Attorney Fee-

Executor Fee-

Total Probate Cost-

Optimization Summary

Total Estate ($)

Estate Exemption ($)

Estate Tax Rate (%)

Amount to IDGT ($)

Annual Exclusion ($/person)

Number of Beneficiaries

Amount to CRUT ($)

CRUT Deduction (% of contribution)

Amount to DAF ($)

DAF Cost Basis ($)

CG Tax Rate (%)

With Planning

Annual Exclusion Gifts-

CRUT Deduction-

DAF Deduction-

DAF CG Avoided-

Remaining Estate-

Taxable Estate-

Estate Tax-

Total to Heirs-

Without Planning

Total to Heirs-

Benefit

Net Benefit of Planning-

Unitary Calculator

Enter Assets

Rank Your Assets

Results

Assets

Tax lots

Results

Recommended Action

Results

Tax Breakdown

Runway / CoLA

Direct Crypto Donation

Sell Then Donate Cash

Comparison

With Planning

Without Planning

Benefit

Unitary Calculator

Enter Assets

Rank Your Assets

Results

Assets

Tax lots

Results

Recommended Action

Results

Tax Breakdown

Runway / CoLA

Direct Crypto Donation

Sell Then Donate Cash

Comparison

With Planning

Without Planning

Benefit

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