Tax
Asset location — minimize annual tax drag by placement
For each asset, the annual tax drag per dollar of holding it in a taxable account (tax on its yield — qualified at the LTCG rate, the rest ordinary — plus the LTCG tax on the appreciation realized via turnover), and a recommended placement that fills the tax-advantaged accounts with the highest-drag assets first. Returns the annual drag under that placement vs a pro-rata baseline. A transparent calculator (the caller can override), not a black-box optimizer; Roth and deferred are combined as the shelter (the choice between them is a separate rate decision). Deterministic; not tax advice.
post/v1/tax/asset-location
Request
- Base URL: https://api.numeratica.com
- URL: https://api.numeratica.com/v1/tax/asset-location
- Auth: one of:
- HTTP bearer
- API key in header X-API-Key
Request body
Example request
{
"tax_year": 2025,
"filing_status": "single",
"taxable_income": 200000,
"taxable_balance": 100000,
"tax_advantaged_balance": 100000,
"assets": [
{
"name": "bonds",
"expected_return": 0.04,
"yield": 0.04
}
]
}Response
Asset-location placement
Example response
{
"result_id": "aloc_1a2b3c4d5e6f7a8b",
"engine_version": "asset-location-1.0.0",
"inputs": {
"tax_year": 2025,
"filing_status": "single",
"taxable_income": 200000,
"taxable_balance": 100000,
"tax_advantaged_balance": 100000,
"assets": [
{
"name": "bonds",
"expected_return": 0.04,
"yield": 0.04
}
]
}
}Changes
No recorded changes to this operation across all 1 revision of this API.