Quantitative Tools

Wealth Strategy Calculators

Explore investment, spending, estate, and charitable planning scenarios. Review the assumptions behind each result before comparing strategies.

Wealth Transfer

GRAT Calculator

Model rolling Grantor Retained Annuity Trusts across reproducible market scenarios, including retained annuities, mortality assumptions, and estate inclusion.

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Critical Needs

Sustainable Spending

Estimate the capital needed for inflation-adjusted spending through age 120, targeting 90% or 98% success across the modeled market paths.

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Wealth Transfer

Installment Sale

Model an installment sale to an IDGT using a dated, term-appropriate AFR, appraised interest value, seed gift, and note repayment assumptions.

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Tax-Efficient Growth

PPLI

Compare a hypothetical qualified life insurance policy with a taxable investment using matching returns and horizons, explicit costs, and ownership assumptions.

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Diversification

EDI

Explore a concentrated-stock transition with leveraged direct indexing, financing costs, and current tax deferral under selected marginal tax rates.

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Charitable Planning

Charitable Remainder Trust

Model a charitable remainder unitrust, its gross actuarial deduction, projected distributions, fee treatment, and simplified distribution tax character.

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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 use deterministic projections or Monte Carlo simulations with stated assumptions and are not guarantees. Consult qualified professionals before implementing any strategy. Altar Rock LLC is an SEC-registered investment adviser.