Generational Wealth Projection

The Generational Wealth Projection Calculator models how a family's wealth evolves over multiple generations based on each generation's earning, saving, investing, and spending patterns. It illustrates the famous "shirtsleeves to shirtsleeves in three generations" phenomenon. Enter the starting wealth and for each generation define the annual savings rate, investment return, spending level, and inheritance distribution. The multi-line chart shows each generation's peak and ending wealth, revealing whether the family is building or eroding wealth over time. This tool is valuable for families thinking about legacy planning. It shows how different behaviors — aggressive saving, conservative investing, excessive spending, or strategic gifting — compound across generations to either build lasting wealth or deplete it entirely.