DROP #010 — Tax Drag on Investment Returns

WHAT THIS IS

A single-page, mobile-first stress-test tool. Enter principal, gross return, tax rate, and holding period. The tool computes your after-tax annual return, projects two parallel account values — one taxed annually, one tax-free — and outputs the cumulative currency gap between them, plus what percentage of final value that gap represents.

WHAT IS INCLUDED

FH1N_DROP010.html — working calculator, no login, no install

FH1N_DROP010_HowItWorks.pdf — one-page reference: core equations, Excel-equivalent formulas, variable table, output states

Save Result feature — client-side only, compare multiple scenarios on your own device

WHO THIS IS FOR

Retail investors and analysts holding assets in taxable brokerage or investment accounts who want to see, in currency terms, what annual taxation actually costs over a multi-year holding period — before choosing between taxable and tax-advantaged structures.

SYSTEM BOUNDARY

Mathematical modeling instrument for educational purposes only. Does not constitute financial advice, investment recommendations, or tax planning guidance under SEBI (India), OJK (Indonesia), SSC (Vietnam), or any regulatory body. All inputs are user-defined. FH1N holds no investment adviser registration.

Quantifies the compounding currency cost of annual taxation on investment returns — taxable account vs. tax-free equivalent, same gross return.