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How much can I leave my family?

See what you might leave heirs after spending, gifts, and giving — and tradeoffs between living well now vs later.

Your information

Enter your best estimates below.

Assets

Spending & giving

Family & goals

Your result

At risk legacy preservation

What it means

Your plan may significantly reduce what you can pass on with the spending path you entered.

How we chose it

Same estate projection and score. This tag appears when the preservation score is below 50.

Projected estate value

$686,157

From $3,500,000 today · Est. inheritance $686,157 · Lifetime giving $987,811.

Per heir (est.)

$343,079

Depletion risk

Elevated

Unsaved result

Legacy summary

At risk legacy preservation

What it means

Your plan may significantly reduce what you can pass on with the spending path you entered.

How we chose it

Same estate projection and score. This tag appears when the preservation score is below 50.

Preserve legacy — simplified federal estate tax only.

Projected estate

$686,157

Preservation score

14/100

Est. inheritance

$686,157

Charitable impact

$987,811

Estate value over time

62646668707274767880828486889092$0M$1M$2M$3M$4M

Risk areas

  • Legacy depletion

    Projected estate falls well below today's value — withdrawals, gifts, and giving may outpace investment growth over your planning horizon.

Planning insights

  • Estate may decline by about $2,813,843 — review withdrawals and giving if preserving wealth is a priority.
  • Lifetime charitable giving in this model totals $987,811.
  • Estimated $343,079 per heir before further planning (2 heirs).
  • Estate reduction risk is elevated — stress-test the spend-more scenario and coordinate with legal and tax advisors.

Your Legacy estimate

Your Legacy result is one piece of your legacy plan

You are here. Five more steps bring every piece together to answer the bigger question: will your money last as long as you do?

Your Legacy result is one piece of your legacy plan

Your LegacyPieces still to add

  • Retirement accounts
  • Brokerage
  • Heirs

Your retirement plan will also answer

  • When can I and my spouse retire?
  • How much should I save?
  • When should I claim Social Security?
  • Should I do Roth conversions?
  • How much can I safely withdraw?
  • Should I pay off debt first?
  • Would my plan weather market ups and downs?

How it works · Your path to a full Legacy plan

  1. Legacy

    You are here

    Projected $686K

  2. Income

    Current income plus Social Security, pensions and annuities

  3. Expenses

    Day-to-day living, healthcare premiums and planned future costs

  4. Assets

    Homes, properties, investments and savings

  5. Non-mortgage debts

    Car loans, credit cards and other balances

  6. Annual savings and review

    Confirm yearly savings, then see your full plan

Interpretation

Understand your results

Planning context for the estimates above. Not tax, legal, or investment advice.

If current assumptions hold, your estate could be worth about $686,157 at age 92, down from $3,500,000 today. After a simplified federal estate tax estimate of $0, about $686,157 could pass to heirs (about $343,079 each).

Legacy preservation scores 14/100 (at risk). Estate reduction risk is 65/100 (elevated). Lifetime charitable impact in this model: $987,811.

Trusts, beneficiary designations, state taxes, and asset location materially change real outcomes — use this view to frame conversations with your estate and tax professionals inside your full Retirelens plan.

Methodology

How we figure this out

The rules and math behind this estimate.

We total your retirement, brokerage, real estate, and business assets, then project year-by-year growth minus withdrawals, annual gifting, and charitable giving (with inflation on outflows). The ending balance is your estimated estate value.

Federal estate tax applies a 40% rate on assets above your entered exemption — state estate or inheritance taxes, step-up basis, trusts, and qualified charitable strategies are not modeled in detail.

Scenario pills adjust spending and giving: preserve legacy (lower outflows), spend more in retirement, or charitable focus. This tool is educational planning support, not legal or tax advice.

Frequently asked questions

Straight answers to common questions about this calculator.

What does this legacy tool show?

An estimate of what you might leave after spending, gifts, and charity—and simplified federal estate tax if assets are very large.

What should I include?

Retirement accounts, investments, home equity, and business value you expect to pass on. Ask an advisor about trusts or assets already set aside.

Is estate tax included?

A simplified federal estimate only. States have their own rules. See a tax or estate professional for real planning.

Can I rely on this for a will or trust?

No. Use this to start conversations. Wills, trusts, and beneficiaries need a qualified attorney.

Retirement is more than your money

Your retirement plan is one of five pillars Retirelens helps you plan.

Finance

Know where you stand and what to do next with your money.

Health

Stay on top of coverage, care and habits that keep you well.

Purpose

Shape days you look forward to, with steps to get there.

Connections

Strengthen relationships and build a support circle.

Legacy

Organize what matters and document so your family isn't left guessing.