Quantitative Tools

Wealth Strategy Calculators

Monte Carlo–powered simulations for the strategies that matter most. Model outcomes across thousands of market scenarios — then decide with confidence.

Wealth Transfer

GRAT Calculator

Model rolling Grantor Retained Annuity Trusts with Monte Carlo simulation. See how excess growth passes tax-free to heirs across 2,000 market scenarios.

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Critical Needs

Sustainable Spending

Determine the minimum capital required to sustain your lifestyle at 90% or 98% confidence. The critical first step — everything else depends on this number.

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Wealth Transfer

Installment Sale

Sell assets to an IDGT at the AFR. Growth above the 3.93% hurdle transfers tax-free with balloon flexibility.

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Tax-Efficient Growth

PPLI

Tax-deferred compounding inside a life insurance wrapper. Death benefit passes income and estate tax-free via ILIT.

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Diversification

EDI

Unwind a concentrated position with direct indexing. Beta-adjusted, leveraged tax-loss harvesting to offset capital gains.

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Charitable Planning

Charitable Remainder Trust

Contribute appreciated assets to a CRT — bypass capital gains, receive a charitable deduction, and generate a lifetime income stream with WIFO tax character tracking.

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Ready for a Personalized Analysis?

These calculators use stylized assumptions. For a bespoke analysis calibrated to your specific situation — including your assets, tax profile, and family structure — schedule a conversation with our team.

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All calculators are for illustrative purposes only and do not constitute investment, tax, or legal advice. Results are based on Monte Carlo simulations with stylized assumptions and are not guarantees. Consult qualified professionals before implementing any strategy. Altar Rock LLC is an SEC-registered investment adviser.