Concentration Risk Calculator
After an exit or years of vesting, one position can quietly become most of your net worth. See exactly how concentrated you are, what it would cost in tax to trim to a sane target weight, and what you'd net to redeploy.
Filing status
This position is33.3%of your net worth · target 15%
Value at your target weight$450,000
To sell to reach target$550,000
Embedded gain on the trim$440,000
Federal capital-gains tax$73,225
Net Investment Income Tax (3.8%)$16,720
Tax cost to diversify$89,945
Net proceeds to redeploy$460,055
High concentration. Over 30% in one position means one company's bad week can reset your whole plan. Trimming to target costs $89,945 in tax — often worth it to de-risk.
See this tracked live in Velira
Velira keeps your full picture current — concentration, safe spend, and estate exposure — and tells you the move your plan calls for.
Estimate for education only, not financial, tax, or legal advice. It uses simplified, published figures and the assumptions you enter; it omits state taxes (except where you supply a rate), AMT, trusts, and many planning tools. Velira does not file, transmit to the IRS, or move money. Confirm everything with your CPA or estate attorney.