Windfall & lump-sum tools

Free calculators for sudden money — an inheritance, bonus, settlement, or severance. See what it becomes if you pay down debt, invest, or give, and how to split it wisely.

21 resources

Calculator Bonus Tax Gap: Will You Owe or Get a Refund? Find the gap between your bonus withholding and your true tax bill so you know whether to save for April or expect a refund check. Open → Calculator Does Your Windfall Let You Coast to FIRE? Check whether this lump sum — added to your existing savings — reaches your Coast FIRE number, so your money grows to retirement without another dollar invested. Open → Calculator Gift Tax and Annual Exclusion Planner Plan how to give away a windfall gift to family over time, maximizing the annual exclusion so gifts stay below the IRS reporting threshold. Open → Calculator Guilt-Free Windfall Allocator Structure your windfall into enjoy, emergency, debt, and invest buckets — so you spend guilt-free on a defined slice and maximize the rest. Open → Calculator Home Sale Net Proceeds and Reinvestment Power Calculate exactly what you pocket after agent commissions, closing costs, mortgage payoff, and capital gains taxes — and what that windfall becomes if invested. Open → Calculator Inheritance Allocation Ladder Waterfall your inheritance through the four-step hierarchy: emergency fund → high-rate debt → invest → enjoy — with dollar amounts for each rung. Open → Calculator Lottery Lump Sum vs. Annuity Breakeven Calculator Find the investment return you need to beat the lottery annuity, see after-tax values for both paths, and get a clear verdict for your situation. Open → Calculator Lump Sum vs. Dollar-Cost-Average: Which Wins for Your Windfall? Quantify the trade-off between investing your windfall immediately versus spreading it over 3–24 months — including the cash drag on waiting. Open → Calculator Pay Off Debt vs. Invest Your Windfall After-tax decision engine: compare paying off your mortgage or high-rate debt against investing the lump sum and get a clear verdict. Open → Calculator Retention Bonus vs. Leaving: The True Financial Cost Calculate whether staying for a retention bonus beats leaving for a higher salary — factoring in unvested RSUs, after-tax values, and salary growth at the new role. Open → Calculator Right-Size Your Emergency Fund Before Investing a Windfall Calibrate the exact emergency fund you need based on job stability, dependents, and insurance coverage — then see how much of your windfall goes to work investing. Open → Calculator RSU Sell Now vs. Hold: Concentration Risk vs. Tax Compare selling vested RSUs immediately and diversifying against holding for potential gain — with the exact dollar outcome for both paths. Open → Calculator Severance Runway Calculator Calculate exactly how many months your severance and emergency fund buys you — including COBRA costs and unemployment income — so you search with confidence. Open → Calculator Signing Bonus True Value After Tax and Clawback Risk Calculate the real after-tax value of a signing bonus factoring in clawback probability, opportunity cost, and your marginal tax rate. Open → Calculator Spend vs. Invest Fork Calculator See the lifetime fork between spending your windfall and investing it — the true opportunity cost of each dollar you enjoy today. Open → Calculator Use Tax-Loss Harvesting to Offset a Windfall Gain Calculate how harvested portfolio losses can offset capital gains from a windfall, reducing your tax bill with dollars you were already going to lose. Open → Calculator Windfall Reinvestment Bucket Ladder Split your windfall into 3 time-horizon buckets — short-term cash, medium-term bonds, long-term equities — and project the future value of each. Open → Calculator Windfall Tax Calculator: What You Actually Keep Calculate federal and estimated state taxes on a bonus, RSU vest, lottery win, or inheritance — and see your true take-home. Open → Guide How Much of My Bonus, Inheritance, or RSUs Will I Actually Keep After Taxes? Why your bonus is withheld at 22% but taxed higher, how RSUs and inheritances are really taxed, and a worked example of the take-home on a $50,000 bonus. Open → Guide I Just Came Into a Windfall — What Should I Do With It? (A Step-by-Step Order) A calm, numbered playbook for a sudden windfall: park it, pay off toxic debt, fund emergencies, invest the rest — with a worked example on a $150,000 inheritance. Open → Guide Pay Off the Mortgage or Invest the Lump Sum? How to Actually Decide The real math behind paying off a mortgage versus investing a windfall — after-tax rate spreads, risk tolerance, and a $120,000 side-by-side worked example. Open →