Tax Savings Calculator
How much of your gain can you keep?
Two inputs. One clear answer. See exactly what you'd owe if you do nothing — and what changes if you invest in an Opportunity Zone.
If you do nothing
$185,500
vanishes to federal + state tax on a $500K gain. That's 37.1% of your gain gone this year.
You'd keep $314,500 after tax.
What if you could keep all of it?
Pay the tax today, or defer it into a Qualified Rural Opportunity Fund?
Keep today
$314,500
Lost to tax
$185,500
Deployed into QROF
$500,000
all of it, tax deferred, with discount when taxes are due
Lost to tax today
$0
Your OZ 2.0 timeline
Year 0
Invest $500K
No tax today
Year 5
Tax on deferred gain
$129,850*
Year 10+
Tax-free exit
on all appreciation
*Due at year 5 under OZ 2.0's rolling deferral. Paid from outside funds or by selling QROF shares. Reflects the 30% rural step-up discount on the original gain.
Potential value at year 10
Assumes gains are invested in real estate at 8% annual return.
Actual returns vary by project, sponsor, and market cycle.
Pay tax now
$678,982
Pre-exit tax. You'd still owe tax if you sold at year 10.
Invest in QROF
$888,670
Fully tax-free exit after 10-year hold.
+$209,688
more in your pocket at year 10 by investing in a Qualified Rural Opportunity Fund.
Take the next step.
You have 180 days from your sale date to invest your gain into a Qualified Opportunity Fund. Get notified when your state files OZ 2.0 nominations and when funds go live in your target markets.