Capital Buckets
Family Capital plan calculator — allocations, spending ceiling, trust distributions, DAF grants, personal budget, and multi-year projections. Client-side only; no data leaves your browser.
Starting Capital
Enter after-tax capital (waterfall base). Tax reserve is outside the 10/10/10/70 allocations. Accepts forms like 100000000, 100,000,000, or 100M.
Capital Buckets
CAP-001 waterfall · Emergency Reserve carved from personal 70% · remainder = Personal Endowment Engine
Year-1 Distributions
DAF grants and Family Support Trust distributable amounts (3% of starting funded balances)
Personal Year 1 Budget
Totals the calculated spending ceiling. Edit category percentages; dollar amounts update automatically.
Multi-Year Projection
Planning model: 7% gross invested · 5% ER · tiered AUM fees · full ceiling spend · ER rebalance