Come Into Money Calculator

Plan how to manage a sudden windfall — inheritance, lottery, or sale.

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Windfall Planner

Enter the amount, how much you'll spend, and how much you'll invest.

Your money will last
0 years
Invested amount: $0
Amount invested
$0
Annual income from investments
$0
Years until depletion
0
Value after 10 years
$0
Value after 20 years
$0
Total lifetime income
$0

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
Total windfall amount ($)$500,000
Amount to spend now ($)$50,000
Annual spending from investment ($)$30,000
Expected investment return (%)6%
ResultValue
Your money will last40 years
Amount invested$450,000
Annual income from investments$27,000/yr
Years until depletion40
Value after 10 years$410,458
Value after 20 years$339,643

Values shown are produced by this page in your browser; change any input to update them.

How to use the Windfall Planner

  1. Total windfall amount ($) — default $500,000
  2. Amount to spend now ($) — default $50,000
  3. Annual spending from investment ($) — default $30,000
  4. Expected investment return (%) — default 6%
  5. Press Calculate to update the results instantly.

Frequently asked questions

Pause for a month, pay off high-interest debt, top up your emergency fund, then invest the rest according to your goals rather than spending it.
A 3-4% annual withdrawal rate is the usual starting point for money meant to last decades. Withdrawing 8-10% will empty the pot quickly.
Spreading reduces the risk of buying at a peak, but investing in stages for longer than 12-18 months tends to leave you behind on average.

Sources & references