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Free CRT Planning Tools

 

Six tools for charitable remainder trust planning. Deduction figures use the IRS-prescribed §7520 rate and the 2010CM mortality tables. Projections run Monte Carlo simulations on 150 years of U.S. market returns.

 

Donors and families. Start with the Fit Assessment. If a CRUT merits analysis, the calculators show the numbers.

 

Attorneys, CPAs, and financial advisors. Use the calculators for a first pass on your client's facts. For modeling and drafting beyond what a calculator does, contact Klaus Gottlieb directly.

START HERE

CRT Fit Assessment

Does a CRUT merit analysis?

Weighs asset type, tax exposure, income needs, and charitable intent, and returns a preliminary read.

DEDUCTION

CRUT Deduction Calculator

The CRUT deduction at funding

Enter the trust value, payout rate, and beneficiary age. Returns the present value of the charitable remainder under the §7520 rate and 2010CM tables.

DEDUCTION

CRAT Deduction Calculator

The CRAT deduction and both qualification tests

Computes the deduction at funding and checks the 10% remainder test and the 5% probability-of-exhaustion test.

COMPARISON

CRAT vs. CRUT

One set of facts, both trusts

Shows the two deductions side by side, checks each trust's qualification tests, finds the highest payout each can use, compares the deduction at every §7520 rate you may elect, and projects payments and trust value at a return you choose.

PROJECTION

CRUT Payout Path

Distributions across market scenarios

Projects annual distributions, trust value, and cumulative payouts over thousands of Monte Carlo paths under historical, forward-looking, and stress-case scenarios.

REFERENCE

IRS §7520 Rate

This month’s rate

Updated when the IRS releases it. For a CRT funded today, the donor may elect this month’s rate or the rate for either of the two preceding months, whichever produces the larger deduction. Every deduction calculator on this page takes it as an input.

Beyond the Calculator

A calculator answers one question on assumed facts. A CRUT that performs also needs tax strategy, asset analysis, and precise drafting. Klaus Gottlieb drafts CRTs for California clients and advises attorneys and financial advisors nationwide.

QuantiCRUT™

The free tools each answer one question: the deduction, the payout path, the rate, a first-pass fit. QuantiCRUT answers the decision question. Is the trust projected to leave you and your heirs ahead of what you would otherwise do: keep the asset and draw income, hold it for the step-up at death, or sell and reinvest?

 

It runs 10,000 simulated paths against each alternative and reports where a specific case falls. Under the right facts, the trust is projected to leave the family ahead of its chosen alternative before a single dollar of the charitable gift is counted. The methodology is peer-reviewed. Sample reports are free.

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