Your assumptions
$
Enter any amount, e.g. $1,000 or $10,000
Please enter a positive amount.
Maximum annual income
—
based on total × Trust A rate
$
Enter $0 to send all funds to Trust B
Please enter a positive amount.
years
How long Trust B pays out
%
HYSA / money market / bond rate
%
Return rate while Trust B distributes
⚠ The principal required for Trust A exceeds your total amount. Please increase the total or lower the Trust A income target.
Trust structure
Trust A — Income Trust
Principal required
—
Annual income
—
Principal stays intact, earns interest forever.
Trust B — Distribution Trust
Principal allocated
—
Annual payment
—
Paid out over 30 years.
Combined yearly income
Year 1 total
—
Trust A (every year)
—
Trust B (annual)
—
After Trust B ends
—
| Year | Trust A income | Trust B payment | Trust B balance | Total income |
|---|
Disclaimer: This calculator is for illustrative and educational purposes only and does not constitute financial, legal, or tax advice. Actual returns will vary based on market conditions, trust structure, tax obligations, and investment choices. Interest rates shown are hypothetical. Trust income in California may be subject to state and federal income taxes at the beneficiary level. Always consult a licensed financial advisor, CPA, and trust attorney before establishing any trust or investment strategy.