Analyze
Compare covering every open debt in one sale versus the staged ladder. The winner is the path that leaves the most XRP for dividend reinvesting after set-asides.
Recommended
Wait, then wipe at $12
Skip earlier rungs. Roll every open debt into one sale at this target, with a single buffer.
65,425.29XRP for dividends
$785,103.45 at $12.00 · about $39,255.17 a year at 5%
65,425.29 more XRP than following the ladder, which spends the buffer on every rung.
Leftover allocation
Named gifts stay reserved. After the recommended sale, the rest goes to dividend reinvesting.
Same debts and tax rates. Ranked by leftover XRP.
Wait, then wipe at $7
Skip earlier rungs. Roll every open debt into one sale at this target, with a single buffer.
31,086.21 XRP left · sell 82,413.79 at $7.000
About $10,880.17 a year at 5%
Wait, then wipe at $4.5
Skip earlier rungs. Roll every open debt into one sale at this target, with a single buffer.
0 XRP left · sell 128,199.23 at $4.500
Follow the stage ladder
Sells at each open target and applies the cash buffer 5 times — once per rung.
0 XRP left · sell 164,472.76 at $12.00
Wait, then wipe at $3
Skip earlier rungs. Roll every open debt into one sale at this target, with a single buffer.
0 XRP left · sell 192,298.85 at $3.000
Wait, then wipe at $2
Skip earlier rungs. Roll every open debt into one sale at this target, with a single buffer.
0 XRP left · sell 288,448.28 at $2.000
One combined sale uses a single cash buffer. The ladder applies that buffer at every open rung, which sells more coin. Yield is an assumption you type, not a promised return. This tab does not mark stages sold.