Model your real after-tax wealth across four generations. See exactly what a trust fund is worth over 100 years — every state, every bracket, to the dollar.
The decisions you make in the days after winning — before you've spoken to a lawyer — can permanently reduce your family's wealth by millions. This tool exists so you understand the numbers first.
On a $120M jackpot the difference between lump sum and annuity can exceed $30M in corpus value at year 30. Most people choose without modelling it.
California residents pay $27,000+ in state tax on a $328,000 distribution. Moving the trust to Nevada, Wyoming, or South Dakota legally eliminates that — but only if structured correctly before claiming.
An irrevocable trust must typically be established before the lottery ticket is claimed. Setting it up afterwards can forfeit key legal and tax protections. You only get one chance to do this right.
Without a distribution structure, large sums disappear through lifestyle inflation, bad investments, and family pressure. A properly modelled endowment trust compounds for 100 years.
Enter your inputs and calculate to see the 100-year wealth projection
Calculate first to see the full generational family tree
Calculate first to compare lump sum vs annuity