Net Unrealized Appreciation (NUA) Calculator  

Tax strategy for company stock held in an employer-sponsored plan

Individuals who own highly appreciated company stock in their employer-sponsored retirement plan may be eligible for a strategy called net unrealized appreciation (NUA). This strategy may offer significant tax savings on those assets. Before rolling assets out of an employer-sponsored retirement plan, investors may want to explore NUA as an alternative to rolling company stock over to an IRA along with their other plan assets. See a NUA example or learn more with the NUA Factsheet.

Use this calculator to compare the potential tax implications of an NUA strategy to an IRA rollover.



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Compare a NUA strategy to an IRA rollover

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What this calculator does:

  • Compares a taxable account transfer with NUA to an IRA rollover.
  • Prints a report showing potential NUA results and the assumptions for easy reference.
Before deciding whether to retain assets in an old employer plan, or roll over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions, and possession of employer stock. View the FINRA Investor Alert for additional information.

DST is not affiliated with E*TRADE Financial Corporation or its affiliates.

Securities and futures products and services offered by E*TRADE Securities LLC, Member FINRA/SIPC/NFA. Banking products and services are offered by E*TRADE Bank, a Federal savings bank, Member FDIC, or its subsidiaries. E*TRADE Securities LLC and E*TRADE Bank are separate but affiliated companies.

System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.