Life Transitions
Model an inheritance after taxes and debt, then project its investment growth and a sustainable income stream at a 4% withdrawal rate across your lifetime.
After 10% tax and $15,000.00 in debts, $165,000.00 is available to invest. At 7% annual return, this grows to $638,497.94 in 20 years, generating $25,539.92/year ($2,128.33/month) at 4% withdrawal.
From gross inheritance to investable amount
Contract, discovery endpoints, and developer notes for agent use.
Always available for agents
Tool contract JSON
https://aifinhub.io/agent-tools.jsonSee the site-wide tool index for this tool's entry and schema.
Human review
People can use the browser page to sense-check outputs and charts, but agents should still execute against the contract and discovery endpoints.
{
"tool": "inheritance_planning",
"expected_inheritance": 200000,
"tax_rate_percent": 10,
"existing_debts": 15000,
"stocks_percent": 60,
"bonds_percent": 30,
"cash_percent": 10,
"return_percent": 7,
"time_horizon": 20
} No. Start with /agent-tools.json, then follow the tool's contract URL. The page UI is for human review, not parameter discovery.
Every tool opens in Quick Start first. Advanced Controls keeps the same scenario, reveals more assumptions or diagnostics, and every tool keeps AI integrations inline below the instructions.
Open it when a human wants to sense-check the output, review the chart, or keep exploring related tools after the calculation finishes.
It varies dramatically by jurisdiction. The US federal estate tax only applies above $13.61 million (2024). However, 6 states have separate inheritance taxes (Iowa, Kentucky, Maryland, Nebraska, New Jersey, Pennsylvania). Many countries have much lower thresholds.
Generally yes, especially high-interest debt (credit cards, personal loans). The guaranteed return of eliminating 20%+ APR debt far exceeds any investment return. Low-rate debt (mortgage under 4%) is more debatable.
It depends on your time horizon and existing portfolio. For 20+ year horizons, a stock-heavy allocation (70-80% stocks) historically produces the best outcomes. For shorter horizons or immediate income needs, more bonds and cash.
It shows the annual income you could sustainably draw if you invested the inheritance and withdrew 4% annually (adjusted for inflation). This is a rough estimate of the ongoing income the inheritance could generate indefinitely.
Statistically, lump-sum investing beats dollar-cost averaging about two-thirds of the time. But the emotional risk of investing everything right before a downturn is real. A common compromise is investing 50% immediately and the rest over 6-12 months.
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