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CRUT Payout Path Calculator

 

Note: Monte Carlo simulations may take a few seconds 
 

What It Does
 

The CRUT Payout Path Calculator projects what a charitable remainder unitrust may pay over time — functioning as both a CRUT distribution calculator and a long-term income projection tool. Enter the trust's current value, payout percentage, and projection period — the calculator runs thousands of simulations to show a realistic range of annual distributions, cumulative payouts, and ending trust values across both good and bad markets. The result is a probabilistic picture of trust cash flow, not a single optimistic line.
 

Who It's For
 

  • Attorneys and financial planners advising clients on charitable remainder trust planning

  • Donors considering a CRUT who want to see how funding amounts or payout rates affect future distributions

  • CRUT beneficiaries who want to understand what their trust may pay in the years ahead
     

How It Works
 

Provide four inputs:

  • Current Trust Value — fair market value of trust assets, or the contemplated funding amount

  • Fixed Payout Rate — the unitrust percentage in the governing instrument (e.g., 5%, 6%, 7%)

  • Projection Period — years to examine (up to 40)

  • Investment Style — portfolio allocation from Conservative (bond-heavy) to Equity-Heavy
     

Then choose a modeling lens:

  • Historical — draws from 150+ years of U.S. market data since 1871

  • Forward-Looking — models sustained bull and bear cycles based on post-1950 patterns

  • Stress Case — tests prolonged downturns similar to 1970s stagflation or Japan's lost decades
     

What You'll See
 

Three charts showing 10th, 50th, and 90th percentile outcomes: annual payouts, trust value over time, and cumulative distributions. Toggle between nominal and inflation-adjusted dollars to assess real purchasing power.

Work With the Attorney Behind the Model

 

Work With the Attorney Behind the Model
 

No calculator substitutes for professional judgment. A CRT's real economics depend on asset type, cost basis, client age, charitable intent, tax situation, and governing instrument design — factors that require an attorney who integrates legal drafting with quantitative analysis. Klaus Gottlieb, Esq. offers professional-grade modeling, structural analysis, and full trust drafting for California clients.
 

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