Exit Planning Tools
Exit Planning Tools
What this does and doesn't do
This subtracts the costs you enter from the price you enter. It is not a valuation, an appraisal, a tax computation, or an opinion on your deal.
- Tax is estimated using an effective rate you supply. It does not calculate your actual liability.
- Actual tax depends heavily on deal structure — asset versus stock sale, purchase price allocation, entity type, state apportionment, installment treatment, and provisions such as QSBS.
- Confirm every figure with your CPA and transaction attorney before relying on it.
How the arithmetic works
This compares two sums you supply: what you'd have if you sold today, and what your stated spending would total over the years you name.
- It is a simple sum. It does not apply any rate of return, inflation, or growth — not to the business, not to your investments, not to your spending.
- Because of that, it is not a retirement projection and should not be read as one. A real plan accounts for returns, inflation, taxes on withdrawals, Social Security, and sequence of returns.
- The business value is your estimate, not ours. Nothing here constitutes a valuation or an opinion of value.
About the adjusted figure
You have applied your own return and inflation assumptions. The adjusted number is a hypothetical illustration produced from figures you entered. It is not a projection or forecast, does not reflect any actual portfolio, strategy, or product, does not represent expected performance, and makes no allowance for taxes on withdrawals, fees, market volatility, or the order in which returns occur. Actual results will differ, potentially by a wide margin. A constant annual return is not how markets behave.
Read before using this one
This compares two costs. It does not tell you which course to take, and it is not a recommendation to sell a holding, to borrow, or to use any particular product or lender.
- Borrowed money must be repaid. Interest accrues whether or not the position rises.
- Securities-backed borrowing carries risk of forced sale. If the collateral falls in value, the lender may demand additional collateral or sell holdings — potentially at an unfavorable time, without advance notice, and triggering the very tax the borrowing was meant to defer.
- Rates are frequently variable and may rise. Lenders may change terms or demand repayment.
- Deductibility of interest varies and depends on how proceeds are used. Ask your CPA.
- The comparison is incomplete by design. It excludes the retained position's future performance, which is unknowable, and the tax eventually due if that position is sold later. A holding can also fall in value.
- It does not consider whether the concentration is appropriate for you at all — often the more important question.
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