Our calculator illustrates a donor’s capacity to make testamentary gifts using retirement plan assets, simultaneously supporting loved ones with lifetime income and then ultimately providing for charitable organizations. This approach significantly diminishes the income and estate taxes heirs face during mandatory withdrawals from inherited retirement plan assets. By employing testamentary charitable remainder trusts (TCRTs) or testamentary charitable gift annuities (CGAs), donors will furnish a steady income for heirs, benefit charities, and alleviate the overall tax burden. The calculator also takes into account the impact of the SECURE Act, which eliminated the “stretch” IRA option for most beneficiaries, by recreating the “stretch” through the lifetime income from the CRT, or CGA, and the remainder to the donors charities of choice.