Enough

How much is enough?

An estimate of what you could put to work now without compromising the life and commitments you want to protect.

Runs entirely in your browser. Nothing you enter is transmitted or stored.

Your wealth

Cash + taxable investments

Cash + non-retirement brokerage.

Pre-tax retirement accounts

Traditional IRA, 401(k), etc. Roth accounts are not separately modeled.

Private investments

Business interests, private equity, investment property.

Personal assets

Homes, art, boats. Counted in wealth, but not used for spending or giving.

Your plan

Age now

Plan through

Annual spending, after tax

Ongoing annual income, after tax

Expected throughout the plan — e.g. pension or net rent.

Minimum total wealth at the end

Includes personal assets. Before estate tax.

Growth

Blended nominal return across cash and investments, %

Volatility, %

Nominal. Personal assets stay flat in real terms.

Tax assumption

Jurisdiction preset

Adjust tax details

Blended tax basis of cash + taxable investments, % of value

Count cash as 100%.

Long-term gains / qualified dividends, %

Ordinary income, %

Current wealth

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Enough today

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Potential surplus today

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today's dollars

Explore annual giving

Test recurring gifts instead.

Annual gift, today's dollars

Give for

years

Modeled success

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Total giving

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Median ending wealth

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Wealth over time

Assumptions

A planning illustration, not financial, tax, or legal advice. Returns, taxes, illiquidity, and charitable structures are simplified. The minimum end-wealth input is before estate taxes.

Inflation, %

Taxable yield within total return, %

Private-asset sale haircut, %

Simulation paths

Method

Everything is in today's dollars. Returns are simulated with a fixed seed. Investment buckets share the same annual market shock; this is not a diversification model.

For each path, the model approximates the smallest starting investment balance that funds spending through the plan and finishes above the minimum. Enough is that investment requirement plus the personal assets entered. Personal assets are counted in ending wealth but are not sold for spending or giving.

Annual giving tests the fixed real gift and duration you choose. Success means every planned gift and spending need is funded and ending wealth clears the minimum.

Gifts are modeled as proportional reductions in investment wealth. Taxes or transaction costs caused by funding a gift are not modeled, and no asset, account, or giving vehicle is prescribed.

Modeled spending draws from after-tax dividends, taxable sales, pre-tax retirement accounts, then private investments. This is a simplifying drawdown convention, not tax advice.