Charitable Remainder Trust Calculator
Calculate CRT income stream, charitable deduction, and tax savings.
Legal Disclaimer
This calculator provides general estimates only and does not constitute legal advice. Laws, regulations, and court procedures vary significantly by jurisdiction. Consult a licensed attorney in your area for advice specific to your situation.
Inputs
Results
Annual Income
$70,000.00
≈ 6 years of state college
Charitable Deduction
$362,814.97
≈ 9 Teslas
How to Use This Calculator
- Enter Funding Amount — the assets transferred into the CRT (appreciated stock or real estate works best).
- Set Annual Payout Rate % (minimum 5% per IRS rules) and Term Years.
- Enter Expected Growth Rate % and your Tax Bracket.
- Set the IRS Section 7520 Rate (from IRS.gov monthly update) for deduction calculation.
- Review Annual Income stream and Charitable Deduction for the year of funding.
- CRTs work best with highly appreciated, low-basis assets — consult an estate planning attorney and tax advisor.
How the result changes with Funding Amount
| Funding Amount | Annual Income | Charitable Deduction |
|---|---|---|
| $5,009,000.00 | $350,630.00 | $1,817,340.21 |
| $17,506,500.00 | $1,225,455.00 | $6,351,620.35 |
| $32,503,500.00 | $2,275,245.00 | $11,792,756.53 |
| $45,001,000.00 | $3,150,070.00 | $16,327,036.68 |
What each input means
- Funding Amount
- Amount transferred into the CRT.
- Annual Payout Rate
- Annual payout percentage (IRS minimum 5%).
- Term (Years)
- Duration of the CRT income stream.
- Expected Growth Rate
- Expected annual investment return inside the CRT.
- Tax Bracket
- Your marginal income tax rate.
- IRS Section 7520 Rate
- Current IRS 7520 rate used for deduction calculation.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersFunding Amount = 1000000, Annual Payout Rate = 7, Term (Years) = 20, Expected Growth Rate = 6 = 6 input(s) provided
- Calculate Annual IncomeAnnual Income70000 = $70,000
- Calculate Charitable DeductionCharitable Deduction362814.97 = $362,814.97
- Calculate Tax SavingsTax Savings134241.54 = $134,241.54
- Calculate Total Income Over TermTotal Income Over Term1226302.39 = $1,226,302.39
Engine last updated .
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