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    Explore the Potential of QOZ 2.0

    Utilize our QOZ Calculator to see how permanent, rolling Opportunity Zone benefits may help build greater after-tax wealth.

    By allowing eligible gains to remain invested, Opportunity Zone strategies may create a meaningful advantage over traditional taxable investments. This calculator provides a simple way to visualize the potential impact over time.

    See your 10-year advantage

    Estimate the after-tax difference between a Qualified Opportunity Fund and a standard taxable investment.

    Enter an assumed annual appreciation rate up to 12%.

    Combined tax rate = federal + net investment income tax + your state rate. Adjust these to match your situation.

    With a Qualified Opportunity Fund, you keep
    $0 more1,2,3

    Standard taxable investment
    Net cash after 10 years
    Qualified Opportunity Fund
    Net cash after 10 years

    Your Investment, mapped to the QOZ 2.0 Calendar

    Assuming you realize the gain and invest in 2027.

    2027
    Defer
    2032
    Reduce
    2037
    Eliminate
    Through 2057
    Repeat
    See the full year-by-year breakdown
    Talk to an Inland QOZ Specialist

    For illustrative purposes only; this calculator is not tax advice, an investment recommendation, or an offer to invest, and investors should consult their own tax advisors and understand that QOF investments involve significant risk, including possible loss of the entire investment.

    Hypothetical

    1Assumptions used in this hypothetical example:

    • The calculations assume a 20% federal long-term capital gains tax rate plus the 3.8% net investment income tax, for a combined federal tax rate of 23.8%, and do not account for any state or local taxes (until inserted by User).
    • Source of initial investment is from “eligible gain” that qualifies for QOZ benefits.
    • Assumes that the new QOZ investment complies with all applicable QOZ rules and is held for the required 10 years.
    • Note that the deferred capital gain taxed in 2032 will be at the rates in effect at that time. Future changes to the tax law could result in higher tax rates (in years 5 and 10).

    2Limitations

    • The calculation does not include the positive time value of money benefit of deferring payment of the original 2027 capital gain until 2032 (with a 10% basis step up).
    • The simplified model assumes a single investment and return of appreciated value after 10-years.
    • The model uses the Excel Future Value (FV) function to calculate the value of each investment using a fixed rate entered by the User for the QOZ Investment.
    • The model does not account for other complex tax-basis matters such as depreciation deductions and periodic cash distributions.

    3Disclaimers

    • Results will vary based on the assumptions entered by the user.
    • This tool demonstrates the impact of QOZ benefits, including the 5 year tax deferral, 10% basis step-up after 5 years and the FMV (Fair Market Value) basis step-up benefit after holding the investment for 10 years, comparing a reinvestment decision between an option that includes QOZ benefits and one that does not.
    • This calculator should not be used when assessing an actual investment given its limited functionality.

    Important: The projections or other information generated by this calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

    This calculator is provided for illustrative purposes only and is not intended to be tax advice nor may it be relied upon as such. Prospective investors must consult with their own tax advisors. An investment in a qualified opportunity fund involves significant risk and is suitable only for investors who have adequate financial means, desire a relatively long-term investment and who will not need immediate liquidity for their investment and can afford to lose their entire investment. To learn more about risk factors, click here and consult the appropriate private placement memorandum.