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Wealth Calculator
Wealth Lifecycle Calculator
Model how the Accord's six-layer wealth architecture affects a concentrated position over a lifetime: annual wealth levy, CGAL, estate settlement, and avoidance analysis.
The Position
The Person
Position Today: ABC Corp (stock)
Shares
10,000
Basis/Share
$12
Price/Share
$185
Total Basis
$120,000
Market Value
$1.85M
Unrealized Gain
$1.73M
CGAL Remaining
$10.00M
Lifecycle Trajectory
| Age | Price | Shares | Value | Levy Rate | Levy Paid | Shares Sold | CGAL Used | Cum Tax |
|---|---|---|---|---|---|---|---|---|
| 55 | $185 | 9,850 | $1.82M | 1.50% | $27,750 | 150 | $25,950 | $6,176 |
| 60 ⟶ | $272 | 9,130 | $2.48M | 1.50% | $37,797 | 140 | $185,739 | $44,206 |
| 65 | $399 | 8,465 | $3.38M | 1.50% | $51,487 | 129 | $406,292 | $96,698 |
| 70 | $587 | 7,846 | $4.60M | 1.50% | $70,123 | 120 | $711,447 | $169,324 |
| 75 | $862 | 7,273 | $6.27M | 1.50% | $95,506 | 111 | $1.13M | $268,871 |
| 80 | $1,267 | 6,741 | $8.54M | 1.50% | $130,067 | 103 | $1.70M | $405,362 |
| 85 | $1,862 | 6,184 | $11.51M | 2.00% | $234,970 | 127 | $2.60M | $618,955 |
| 90 ✝ | $2,735 | 5,587 | $15.28M | 2.00% | $311,932 | 115 | $4.00M | $951,438 |
⟶ = transfer to heir · ✝ = death/estate settlement · ✗ = CGAL exhausted · Nominal growth 8%, inflation 2.5%, real growth ~5.5%
Estate Settlement at Age 90
Under the Accord
Position at death$15.28M
Remaining basis$67,044
Gain at death$15.22M
Capital gains tax−$5.94M
Gross estate$58.77M
Estate tax (gross)−$22.66M
Less: prepaid levy+$4.03M
Net estate tax owed−$18.63M
Heir receives$34.20M
Fewer shares, but annual levy was prepayment — not additional tax. No stepped-up basis. CGAL partially used.
Status Quo (Current Law)
No annual wealth levy.
Stepped-up basis at death eliminates all capital gains tax.
Estate tax at current rates (~40% top rate, $13.6M exemption).
Buy-Borrow-Die: borrow against appreciated assets, never realize gains.
Dynasty trusts: shelter wealth indefinitely.
Under current law, 10,000 shares of ABC Corp at $2,735/share pass to heirs with full stepped-up basis. Zero capital gains tax. The $1.73M unrealized gain is never taxed.
How Liquidating Shares Works
The annual wealth levy is assessed on nominal (dollar) value. At 2.5% inflation, real purchasing power of ABC Corp may grow at only 5.5% — but the levy applies to the full nominal value. When the levy requires selling shares to pay, only the sold shares trigger gains. The remaining ABC Corp shares retain their original basis of $12/share.
Estimates use DNA v21 parameters. All values nominal. Wealth levy rates: 0.8% ($5–10M), 1.0% ($10–20M), 1.5% ($20–50M), 2.0% ($50M+). Estate tax brackets: 35% ($3.5–10M), 40% ($10–50M), 50% ($50–100M), 60% ($100–200M), 67% (>$200M). Levy prepays estate tax. CGAL: $10M lifetime favored-rate cap.
See how real fortunes — Musk, Bezos, Buffett, Taylor Swift — compare across Current Law, NAA, and Expatriation.
8 real-world scenarios →Engine 8 · The Civilization Premium
The Civilization Premium
The Accord invests in infrastructure that no tax haven replicates. For high earners, the math favors staying. If you're earning $500K+ or managing $5M+ in assets — we ran the numbers. The 40% exit tax creates a 2-15 year break-even horizon. Beyond that: hardened grids, 45-minute trauma access, pandemic readiness, the deepest capital markets, and the strongest courts are worth more than the tax differential.
40%
Exit tax
Mark-to-market on all gains
2–15 yrs
Break-even abroad
Varies by profile
7 / 8
Scenarios favor STAY
Honest math, real figures