The projected resources appear relatively aligned with the required legacy target under the current assumptions.
Core legacy view
Inflation-adjusted target
€0
future legacy goal
Required gross estate
€0
before estate drag
Projected resources
€0
future asset base
Funding gap
€0
shortfall or surplus
Legacy need detail
Inflation-adjusted legacy target
€0
Estate drag fixed costs
€0
Tax gross-up effect
€0
Safety margin amount
€0
Required gross estate
€0
Funding base detail
Current capital grown forward
€0
Future contributions
€0
Insurance and other future assets
€0
Per-beneficiary target
€0
Projected resources
€0
Scenario comparison
Required gross
€0
target need
Projected resources
€0
future value
Gap or surplus
€0
difference
Cal insight
Enter the legacy goal, estate drag assumptions and current funding base to estimate the gross estate required and whether the current plan is on track.
Legacy structure
Required gross estate
Projected resources
Gap or surplus
Legacy summary table
Measure
Amount
Funding response table
Scenario
Measure
Amount
Comment
What this calculator does
This calculator works backward from a target legacy amount to estimate the gross estate required after taxes, debts, final costs, directed transfers, reserves and a safety margin. It then compares that requirement with projected future resources from current capital, ongoing contributions, insurance and other future assets.
Required gross estate = amount needed so that target remains after tax and fixed estate drag
Projected resources = future value of current wealth + future contributions + insurance + future assets
Funding gap = required gross estate − projected resources
Why the gross estate target matters
A desired inheritance amount is not the same as the gross estate that must exist at death. Taxes, debts, admin costs, liquidity reserves and directed gifts all reduce what ultimately reaches beneficiaries.
How to use it properly
Set the target amount you want beneficiaries to receive, not the estate value you expect to hold. Then include realistic estate drag and funding assumptions. Use the growth and inflation settings conservatively so the target remains credible.
Frequently asked questions
It is the amount you want beneficiaries or causes to receive after your estate has absorbed taxes, debts, final costs and other planned deductions.
Because the estate must be larger than the desired inheritance if a portion of the estate will be lost to tax before beneficiaries receive the target amount.
It provides extra room for planning error, cost drift, tax changes, market volatility or underestimation of future obligations.
No. It is a planning estimate tool. Actual outcomes depend on ownership structure, succession rules, jurisdiction-specific taxes, trusts and asset values at death.
Projected resources include current net worth grown forward, ongoing savings or investment contributions, existing insurance intended for legacy planning and any other future assets you reasonably expect to exist.
Yes. A zero gap means the projected plan exactly matches the requirement. A negative gap means projected resources exceed the estimated gross estate target.
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Legacy Target Calculator Report
Required gross estate
€0
Projected resources
€0
Funding gap
€0
Per-beneficiary target
€0
Inflation-adjusted target€0
Fixed estate drag€0
Safety margin amount€0
Current resources base€0
Target signalOn track
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