Legacy

Legacy Distribution Planner Calculator

Project how much of your wealth reaches heirs vs. taxes under four strategies (baseline, annual Roth conversions, taxable-spend-first, tax-deferred-spend-first).

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How to use

Enter household ages, account balances by tax bucket, return + inflation, and tax-drag rates.
Optionally enable estate tax, lifetime gifts, and charitable bequests.
Set the number of heirs and their tax bracket; pick an active strategy.
Review legacy at death, net inheritance, lifetime + heir taxes, and the four-strategy comparison.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Flat effective tax rates for yield, LTCG, and ordinary income — no bracket modeling.
Roth conversion taxes are paid from the same tax-deferred bucket (reducing the Roth amount), unless your strategy overrides the tax rate.
Estate exemption is user-editable and not auto-adjusted for inflation or law changes.
Inherited IRA SECURE-Act 10-year rule is approximated via the heir's effective bracket.