Structured Installment Sale
- Funds income for
- 21 yrs
- Total after-tax wealth
- $6,131,532
- Present value of after-tax wealth
- $3,626,601
- Lifetime tax
- $2,283,643
- Lifetime fees
- $0
Wealth accumulation — net after-tax
Total economic position each year: after-tax cash received so far plus the after-tax value of the remaining balance if it were fully liquidated that year.
How long the income lasts
Capital remaining each year. A line hitting zero means the income stream stops.
Cumulative after-tax cash
Net cash in the seller's pocket over time.
Where the value goes
Net to seller vs. taxes vs. fees.
Side-by-side summary
| Metric | SIS ★ |
|---|---|
| Capital initially deployed | $5,000,000 |
| Years income is funded | 21 |
| Total net after-tax distributions | $6,131,532 |
| Terminal after-tax value | $1,019,276 |
| Total after-tax wealth | $6,131,532 |
| Present value of after-tax wealth | $3,626,601 |
| Lifetime taxes paid | $2,283,643 |
| Lifetime fees paid | $0 |
Educational illustration only — not tax or investment advice. Tax rates are computed per year by stacking each option's taxable income on the 2026 federal brackets (and the resident-state schedule); per-year overrides are managed in the Tax Override Editor (open from Advanced Options or by clicking any rate cell in the year-by-year schedule). §1245/§197 recapture is taxed in year 0; §1250 is recognized first. The SIS is taxed only on distributions (interest at ordinary rates; deferred gain at its own character). The Lump Sum and DST share one portfolio design, but the DST's earnings are taxed as ordinary income while its embedded deferred gain is recognized at its character as the portfolio is drawn down; the Lump Sum uses an ordinary/qualified/deferred split and can receive a step-up at death (the SIS/DST deferred gain is income in respect of a decedent and stays taxable). Results depend on your full facts, future rates, market performance, and final structure design.