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Retirement · Withdrawals & RMDs

Company Stock Distribution (NUA) Calculator

Compare the tax on a Net Unrealized Appreciation (NUA) stock distribution against rolling employer stock into an IRA.

  • Free to use here · embed on the Business plan
  • 4 inputs · 4 results
  • English & Spanish

Try the Company Stock Distribution (NUA) Calculator

See whether the NUA strategy saves tax — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Company Stock Distribution (NUA) calculator works out

The Company Stock Distribution (NUA) Calculator is a free, embeddable calculator from CalcFunnel. Compare the tax on a Net Unrealized Appreciation (NUA) stock distribution against rolling employer stock into an IRA.

You enter 4 inputs: cost basis of stock, current market value, ordinary income tax rate (%) and long-term capital gains rate (%).

It returns NUA strategy tax, IRA rollover tax, NUA tax advantage and net unrealized appreciation.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01NUA Strategy Tax
  2. 02IRA Rollover Tax
  3. 03NUA Tax Advantage
  4. 04Net Unrealized Appreciation

The first figure — nua strategy tax — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Employer Stock

Cost Basis of Stock
What the employer stock originally cost inside the plan.
Current Market Value
The value of the employer stock today.

Tax Rates

Ordinary Income Tax Rate (%)
Your marginal ordinary income tax rate.
Long-Term Capital Gains Rate (%)
The long-term capital-gains rate (0%, 15% or 20%, plus 3.8% NIIT if it applies) on the appreciation when sold.

For your website

Embed this calculator on your website

Put the Company Stock Distribution (NUA) Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Company Stock Distribution (NUA) calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Company Stock Distribution (NUA) Calculator calculate?
Compare the tax on a Net Unrealized Appreciation (NUA) stock distribution against rolling employer stock into an IRA. It returns NUA strategy tax, IRA rollover tax, NUA tax advantage and net unrealized appreciation.
Q.02What information do I need to use the Company Stock Distribution (NUA) Calculator?
You enter 4 inputs: cost basis of stock, current market value, ordinary income tax rate (%) and long-term capital gains rate (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Cost Basis of Stock” mean in the Company Stock Distribution (NUA) Calculator?
What the employer stock originally cost inside the plan.
Q.04What does “Current Market Value” mean in the Company Stock Distribution (NUA) Calculator?
The value of the employer stock today.
Q.05Is the Company Stock Distribution (NUA) Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the Company Stock Distribution (NUA) Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Company Stock Distribution (NUA) Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Company Stock Distribution (NUA) results financial advice?
No. Estimates only. A simplified NUA comparison: cost basis is taxed as ordinary income now and appreciation at long-term capital-gains rates when sold; the IRA path taxes the full value as ordinary income. A 10% early-distribution penalty on the basis may apply before age 55 (separation from service) or 59½, and the distribution must be a qualifying lump sum. Consult a tax advisor.

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