Wealth Transfer Capacity Calculator

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.

Liquid assets available nowUser-statedOnly funds you consider available now. This model does not verify authority or the access procedure.Liquidity with unconfirmed or delayed accessRequires confirmationFor example, an expected sale, payment or asset whose access timing has not yet been confirmed.

Reserves and obligations

Personal resilience comes before a transfer.

Minimum personal reserveUser decisionThe amount you want to retain for your own life and ordinary expenditure.Known major costs, debts and obligationsUser estimateDo not repeat ordinary expenditure if it is already included in the personal reserve.Implementation and potential tax reserveUser inputThe calculator does not determine tax. Enter only a preliminary amount from a separate estimate.Additional stress bufferScenario assumptionA buffer for lower income, higher expenditure or another selected uncertainty.

Comparison amount

An optional reference point, not a recommendation.

Proposed transfer amountOptionalUsed only to compare the proposed transfer with the buffer above the personal reserve in three scenarios.

Model result

Buffer above the selected minimum

Fields reviewed: 0 of 6

Enter amounts

Scenario calculation · 15/08/2026 · amounts are user-stated and unverified

Base

Includes liquidity stated as available now and expected liquidity, less the core reserves.

Above the selected personal reserve—

Preliminary — review all six fields

Stress

Adds the selected buffer for lower income or higher expenditure.

Above the selected personal reserve—

Preliminary — review all six fields

Delayed access

Temporarily excludes assets whose access has not yet been confirmed.

Above the selected personal reserve—

Preliminary — review all six fields

What this means

Complete only the fields for which you have a rounded estimate.

Two largest assumptions in the model

Access to expected liquidity—
Minimum personal reserve—

Model logic

available liquidity − personal reserve − obligations − implementation and potential tax reserve − scenario buffer

What the model does not calculate

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 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