SwitchWizeFinancial Decisions, Made Clearer
P3

Charitable Remainder Trust Calculator

Estimate your fixed-term charitable remainder trust payouts and remainder value using the IRS discount rate for your trust scenario.

Quick answer: Model a fixed-term charitable remainder trust payout and simplified present-value remainder using a Section 7520 rate entered. Enter Initial Trust Value, Annual Payout Rate, Term (Years), and Section 7520 Rate to personalize the estimate. It returns Annual Payout, Simplified Remainder Present Value, and Total Payments Over the Term so you can compare the impact before choosing a next step. Use it to compare long-term value, tax impact, risk, time horizon, and contribution choices.

SWReviewed by SwitchWize Research Desk · Last reviewed July 14, 2026
Annual Payout
$60,000
Annual Payout
$60,000
Simplified Remainder Present Value
$252,267
Total Payments Over the Term
$1,200,000
Diagnostic

This CRT would pay about $60,000 a year for 20 years, totaling about $1,200,000.

The simplified remainder present value is about $252,267; this is not an IRS-qualified deduction calculation.

Compare brokerage accounts
What to do next

Compare brokerage accounts

Your action plan
  1. 1

    Set the target and timeline for this plan

    Model a fixed-term charitable remainder trust payout and simplified present-value remainder using a Section 7520 rate entered.

  2. 2

    Pressure-test one alternate scenario before deciding

    Assumptions change the answer, especially when rates, taxes, or timing matter.

  3. 3

    Save the result to Money Map or use the linked next action

    Turn the result into a prioritized action instead of treating it as a one-off number.

Compare brokerage accounts

This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

Turn this result into a decision

Every SwitchWize calculator connects to a product comparison, rate context, guidance, alerts, and Money Map.

Rate authority hub
Compare
You could gain ~$60,000/yr. Compare nowMove from calculation to current product options.
Rate Trend
Track fed fundsUse market context before you decide when to act.
Guide
Best REIT ETFs: Top Funds for Income and GrowthCompare the best REIT ETFs 2026 by expense ratio, dividend yield, and risk. See which real estate ETF fits your portfolio and income goals.
Money Map
Map this $60,000/yr opportunitySave this opportunity and see how it fits your broader money plan.
Alert
Create a rate alertWatch the market instead of checking manually.
Free to embed

Add this calculator to your site

Paste this snippet into any page. No account or API key required, the widget is responsive, and it updates with live rates. A SwitchWize attribution link is included in the embed automatically.

<iframe src="https://www.switchwize.com/embed/charitable-remainder-trust?source=embed_selfserve" width="100%" height="680" loading="lazy" style="border:1px solid #e2e8f0;border-radius:14px;max-width:100%;width:100%" title="SwitchWize calculator"></iframe>
<script>(function(){window.addEventListener("message",function(e){if(e.origin!=="https://www.switchwize.com")return;var d=e.data;if(!d||d.type!=="sw-embed-resize")return;var f=document.getElementsByTagName("iframe");for(var i=0;i<f.length;i++){if(f[i].contentWindow===e.source){f[i].style.height=d.height+"px";break;}}});})();</script>

Frequently Asked Questions

Everything you need to know.

What does an example Charitable Remainder Trust Scenario Estimator calculation look like?
Using this calculator's own default assumptions, a initial trust value of $1,000,000, annual payout rate of 6% and term (years) of 20 produces an estimated annual payout of $60,000 and simplified remainder present value of $252,267. Enter your own numbers above to see how it changes for your situation.
How does the discount rate affect my remainder value?
The discount rate reflects the time value of money: it determines how much the charity's future gift is worth in today's dollars. A higher discount rate increases the present value of the remainder, while a lower rate decreases it. This rate is set by the IRS and applies to all charitable remainder trusts in your valuation period.
What's the relationship between my payout rate and the remainder?
The higher your annual payout rate, the more income you receive but the smaller the amount left for the charity. Conversely, a lower payout rate means less annual income to you but a larger remainder for the charitable beneficiary. Your term length works the same way: longer terms reduce the remainder's present value because the charity waits longer to receive it.
Is the Charitable Remainder Trust Calculator free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the Charitable Remainder Trust Calculator affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to compare brokerage accounts, or run Money Map to compare this investing & retirement decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (brokerage) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
How fresh are the rates and offers shown?
Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.
Where can I see the ranking methodology?
The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

A charitable remainder trust lets you receive income from a donated asset while the remainder passes to charity, and the IRS discount rate directly affects how much your remainder is worth today. Understanding this present value helps you model trade-offs between the annual income you receive now and the charitable contribution value you claim. The longer your payout term or the higher your annual rate, the less valuable the remainder becomes to the charity.

How to Use It

  1. 1Enter the total amount you plan to fund into the trust.
  2. 2Specify the percentage of the trust value you want to receive annually as a fixed payment.
  3. 3Set how many years the trust will make payments to you.
  4. 4Input the applicable IRS discount rate for the current period.
  5. 5Review your annual payout amount, the present value of what the charity will eventually receive, and your total payments over the full term.
Related calculators
GRAT CalculatorGift and Estate Exemption PlannerCharitable Giving Appreciated Stock Calculator
Compare brokerage accounts