Project a trust balance under scheduled withdrawals, investment returns, trustee fees, and estimated tax on earnings. The calculator reports the first potential depletion year or the ending reserve if the schedule remains funded.
Ending balance = opening balance + after-tax return − fees − scheduled withdrawal
The main result identifies whether the entered withdrawal schedule remains funded through the selected horizon.
This is a planning estimate, not tax, legal, or investment advice. Actual treatment depends on jurisdiction, trust terms, holding periods, and individual circumstances.
A $500,000 trust, $40,000 first withdrawal growing 2%, 5% return, 1% fees, 20% tax on earnings, and a 15-year horizon becomes unable to make the full scheduled withdrawal in year 14.
The model caps that year's payment at available assets and records the first depletion year.
No. Fees are deducted directly without modeling deductibility.
Yes. Use the withdrawal-growth input as an inflation or escalation assumption.
No. It uses annual steps and assumes withdrawals occur after annual return, tax, and fees.
No. Once depleted, the model stops because no assets remain to earn returns.
| Cash flow | Timing assumption |
|---|---|
| Return and fees | Applied to opening annual balance |
| Tax | Applied to positive gross investment return |
| Withdrawal | Deducted after return, tax, and fees |