Find the age at which cumulative after-tax trust distributions are expected to match a target value. The model allows distribution growth and investment growth on each payment, making timing tradeoffs visible.
Balancey = Balancey−1 × (1 + return) + Distributiony × (1 − tax rate)
The main result is the first projected age at which accumulated after-tax distributions equal or exceed the target.
This is a planning estimate, not tax, legal, or investment advice. Actual treatment depends on jurisdiction, trust terms, holding periods, and individual circumstances.
Starting at age 40 with a $20,000 first distribution growing 2%, a 25% tax rate, 4% reinvestment return, and a $300,000 target, the modeled balance first reaches the target around age 54.
It is the accumulated after-tax value you want trust distributions to reach.
They are added at the end of each modeled year after the existing balance earns its annual return.
The calculator reports that the target is not reached within the projection horizon.
Yes. Enter a negative distribution-growth rate above -100%.
No. Confirm that the assumed distribution period is permitted by the trust terms.
| Driver | Break-even effect |
|---|---|
| Larger distributions | Earlier target age |
| Higher tax | Later target age |
| Higher reinvestment return | Earlier target age |