Personal resilience before transfer
Wealth Transfer Capacity Calculator
The model shows the buffer above the selected personal reserve under base assumptions, additional stress and delayed access to part of the wealth.
Before calculating · 6 minutes
Set the personal reserve before entering a transfer amount
The short article explains why a tax threshold does not answer how much a family can safely transfer.
Scenario model
What buffer remains above the personal reserve?
Enter rounded amounts and compare a base scenario, an additional stress buffer and delayed access to part of the liquidity. The output is a range for further review, not a recommendation to transfer the calculated amount.
Do not enter names, account numbers, asset addresses, documents or access credentials. All figures remain only in this page's memory and disappear when it is closed or refreshed.
Available liquidity
Separate funds available now from expected liquidity.
Reserves and obligations
Personal resilience comes before a transfer.
Comparison amount
An optional reference point, not a recommendation.
Personal runway
Optional check: how many years the capital should cover after the transfer.
This is not a Dutch gift-tax or inheritance-tax calculation, a confirmation of solvency or a conclusion on the suitability of a gift, family loan, Dutch papieren schenking (notarial gift by acknowledgement of debt), share transfer or foreign transaction. The route must be reviewed separately against the facts, documents and law in force.
After calculating
How to use the result
Three steps to turn the number into a clear question rather than treating it as ready-made advice.
- 01
Check the inputs: separate funds available now from expected liquidity and do not count the same amount twice.
- 02
Read the weakest of the three scenarios first. A zero or deficit means the assumptions or proposed transfer should be revisited.
- 03
Record the personal reserve, unconfirmed assets and costs that an adviser must verify before a document or payment is selected.
The result is a scenario buffer, not a permitted gift amount. It does not confirm tax, asset value, access or resilience over your lifetime.
Open the full explanation →After the calculation
A number becomes useful only after its assumptions are reviewed.
A Lifetime Giving Plan connects the personal reserve, asset, documents, cash flows and tax review — and only then compares transfer routes.
Build a lifetime-giving scenario