Windfall Allocation Calculator

Optimally split an inheritance, bonus, or settlement across taxes, debt, savings, retirement, and investments.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Windfall amount ($)

Total outstanding debt ($)

Emergency fund gap ($)

Expected tax rate (%)

Retirement savings status

Tab to move between fields

Results

To investments ($)

Tax reserve ($)$12,000

To emergency fund ($)$10,000

To debt payoff ($)$20,000

To retirement ($)$8,000

To enjoyment ($)$0

Invested In10Years0

How to Use This Calculator

Enter the total windfall amount (inheritance, bonus, lawsuit settlement, etc.).
Enter your total outstanding debt and emergency fund gap.
Set your expected tax rate on the windfall if it is taxable income.
Select whether you are behind on retirement savings.
Review the recommended allocation: taxes, emergency fund, debt payoff, retirement, investments, and 10% for enjoyment.

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