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Planning Studio

Family Legacy Calculator

See how retirement, education, charitable-giving, and estate goals interact against your current assets — a simplified illustration, not a plan.

Your assets and goals

Everything you'd draw on across these goals, in today's dollars.

In today's dollars. Set to $0 to skip a retirement goal.

E.g. the commonly cited '4% rule'. Must be above 0% if retirement spending is set.

Present value, across all beneficiaries.

Present value.

What you'd like left over after everything else, in today's dollars.

Does it all fit?

A simplified illustration of how these competing goals interact today — not a plan.

Not feasible at these assumptions: the combined goals exceed your assets by $205,000.
Total assets
$1,500,000
Implied retirement need
$1,500,000
Combined goals
$1,705,000

Goal breakdown (share of combined goals)

  • Retirement88.0%
  • Education4.7%
  • Charitable giving1.5%
  • Remaining estate5.9%

Not tax or estate advice

This calculator is a simplified illustration of how competing goals interact at a single point in time — it does not model taxes, estate law, trusts, Social Security, sequence-of-returns risk, or your specific state or family situation. It is not personalized tax, legal, or estate planning advice.

Illustrative only — not a guarantee

This tool produces an illustrative, hypothetical projection based entirely on the numbers you enter. It is not a guarantee or prediction of future results, and it is not personalized investment, tax, or legal advice. Every assumption shown here (contribution amount, assumed rate of return, inflation, fees, and time horizon) is fully editable and has not been validated against your actual financial circumstances, goals, or risk tolerance.

Dollar figures are nominal (not adjusted for inflation) unless a figure is explicitly labeled real / inflation-adjusted. Actual investment results will vary and may be significantly lower or higher than any figure shown here.

Results from this tool may vary with each use and over time: changing any input, or running this same tool again later as your numbers or the markets change, can produce a different outcome than the one shown here.