Five inputs. A live estimate of what a sale would cost in federal tax, the 3.8% surtax, and state tax, and what that capital could become if the tax never had to be paid.
Featuring the Wealthstone ProtocolEstimated tax on this sale
The Wealthstone Protocol
Tax exposure potentially eliminated
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Followed fully and under the right facts, the Wealthstone Protocol could potentially eliminate this exposure entirely, and keep the capital compounding for the next generation.
See the 20-year impact ↓Assumptions: 2026 federal long-term capital gains brackets (0% to $49,450 single / $98,900 joint; 15% to $545,500 single / $613,700 joint; 20% above), with the gain stacked on top of the taxable income you enter. NIIT of 3.8% applies to gain above a MAGI of $200,000 single / $250,000 joint, using income plus recognized gain as a MAGI proxy. All shares assumed held more than one year with pro-rata basis. Ignores AMT, basis adjustments, wash sales, itemized deduction effects, and state bracket structures (state applied as the flat rate you set). Educational estimate only, not tax advice.
The estimate above assumes a conventional sale. Followed fully and under the right facts, the Wealthstone Protocol could potentially eliminate this capital gains tax exposure entirely.
The Protocol sequences established planning strategies, each of which defers, offsets, or removes gain recognition. Which apply, and in what order, depends on your position, your intent, and your time horizon.
The dollar figure at right is not only this year's savings. Capital that is not surrendered to tax stays invested, and compounding does the rest. That is the generational case for planning before selling.
If that tax were eliminated and invested instead
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Hypothetical value of – after 20 years at 8%, compounded annually
| Milestone | Year 5 | Year 10 | Year 15 | Year 20 |
|---|---|---|---|---|
| Hypothetical value | – | – | – | – |
Important disclosures: Elimination of capital gains tax is not typical and is never guaranteed. Each strategy above carries eligibility requirements, holding periods, costs, and material trade-offs, and several involve giving up liquidity, control, or investment discretion. Charitable strategies transfer assets irrevocably. The 8% rate is a hypothetical illustration, not a forecast or an indication of any Wealthstone portfolio's performance; actual returns will vary and may be negative, and taxes deferred may still be due later at unknown rates. Figures update from the calculator above and exclude fees and inflation. This is educational only and is not tax, legal, or investment advice.
The single-year figure assumes every lever is left unused. Realization schedules, loss harvesting, charitable gifts of appreciated shares, and residency timing each move the effective rate. The Wealthstone Protocol below shows how far those levers can reach.
Gain stacked above the 15% threshold is taxed at 20%, and gain above the MAGI thresholds picks up the 3.8% surtax. A schedule that keeps more of each year's realization below those edges is one of the simplest levers in a written plan.
Lot-level basis, AMT history, equity compensation, state changes, and charitable intent all alter the answer. This tool holds those constant by design. A written plan does not.
A private consultation turns this estimate into a lot-level, multi-year strategy you keep.
