The free calculator below gives you the deduction — free, full input range. Whether the trust is projected to beat a taxable alternative is a different question: You may want to consider QuantiCRUT™ a modeling and suitability app based on peer-reviewed research: Klaus Gottlieb, "When Does a Charitable Remainder Unitrust Outperform? A Monte Carlo, Multi-Benchmark Suitability Framework," Journal of Financial Planning 39 (8): 60–79 (2026).
CRTs in Depth: Charitable remainder trusts: how they work, how they're taxed, and when they actually pay off.
CalCRUT – Charitable Remainder Unitrust (CRUT) Deduction Calculator
This calculator applies the IRS actuarial methodology and the current §7520 rate to compute the charitable deduction at trust inception. Unlike most online tools, it accepts the full range of inputs — payout rate, trust term, donor age(s), and payment frequency.
After the deduction
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Payments over time
This calculator computes the immediate income tax deduction for the calculated remainder value at funding. The Payout Path projects what the trust pays each year and what it is worth over time, across thousands of simulated market paths.
CRAT or CRUT
Enter one set of facts and compare a CRAT and a CRUT: the immediate income tax deduction for the calculated remainder value of each, the 10% remainder test for both, the 5% probability test for the CRAT, and projected payments.
Drafting the trust
Klaus Gottlieb, Esq. drafts charitable remainder trusts for clients anywhere in California, with a feasibility and suitability analysis when you want one.