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Considerate CapitalPlan thoughtfully
Quiet tools · For banks and trust companies

Give your website something beneficiaries will use, and a reason to call your trust officer.

What a trust pays against a beneficiary, whether to distribute or retain, the inherited IRA deadlines, and the estate tax. Each from the tables and the code, with the sources on the page and the advice to talk with a professional at the end.

10 tools for banks and trust companies. Each link opens a calculator in a small window on your site. Your visitor runs their own numbers, sees what the rules say, and reads the line every tool ends with: talk with a professional who knows your whole situation. On your site, that professional is you.

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Try one, the way your visitors would
The full page and sources

The link opens this window on your reader's screen, from our site. Nothing loads on your page but the link.

All 10 tools

Put the whole shelf on your site

One snippet, every tool above, each opening in a small window over your page. Copy it and paste it where your site takes HTML.

What it looks like on your page

Your reader stays on your site. Each link opens the calculator in a small window with its sources and one line saying who built it. No site around it, no pitch. Try one below.

  • Distribute or Retain? Trust Income Calculator Compares the tax if a trust keeps this year's income with the tax if it pays the income out to the beneficiary.
  • Inheritance in Trust or Outright: The Tax Drag Shows the yearly tax cost of leaving an inheritance in a trust that keeps its income, compared with leaving it outright to the heir.
  • Inherited IRA Rules Tells you which withdrawal rule applies to a retirement account you inherited, and by what year it must be empty.
  • RMD Calculator Computes the withdrawal the law requires from your retirement account this year and projects the next ten years.
  • QCD or Cash Gift? Compares giving to charity by writing a check with giving straight from an IRA, and shows which saves more.
  • Illinois Estate Tax Calculator Estimates the estate tax Illinois and the federal government would charge on what you leave behind.
  • Portability Election Calculator Shows what filing an estate tax return at the first spouse's death, to carry over their unused exclusion, is worth to the survivor.
  • Gift Tax Return Checker Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.
  • Step-Up in Basis Calculator Shows the new tax cost of an asset after a death, and how much profit is never taxed because of it.
  • Trust Income Tax Brackets Shows how much federal income tax a trust pays on income it keeps, and how that compares with a person paying tax on the same money.

Calculators from Considerate Capital. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.

Prefer links to the full pages instead? Writers and nonprofits sometimes do. .

Email this to your web person

Paste it where your site takes HTML. In WordPress, that is a Custom HTML block. Nothing to install, and every link is tagged for your kind of firm.

All 10 tools are included. Change which ones

With every tool included, the shelf keeps itself current: a tool added for your kind of firm appears on its own. Untick any to pin the list to what you pasted.

See the code
<ul class="cc-quiet-tools">
  <li><a href="https://consideratecapital.com/embed/trust-distribute-or-retain?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Distribute or Retain? Trust Income Calculator</a> <span>Compares the tax if a trust keeps this year's income with the tax if it pays the income out to the beneficiary.</span></li>
  <li><a href="https://consideratecapital.com/embed/inheritance-in-trust-or-outright?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Inheritance in Trust or Outright: The Tax Drag</a> <span>Shows the yearly tax cost of leaving an inheritance in a trust that keeps its income, compared with leaving it outright to the heir.</span></li>
  <li><a href="https://consideratecapital.com/embed/inherited-ira-rules?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Inherited IRA Rules</a> <span>Tells you which withdrawal rule applies to a retirement account you inherited, and by what year it must be empty.</span></li>
  <li><a href="https://consideratecapital.com/embed/rmd-calculator?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">RMD Calculator</a> <span>Computes the withdrawal the law requires from your retirement account this year and projects the next ten years.</span></li>
  <li><a href="https://consideratecapital.com/embed/qcd-or-cash-gift?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">QCD or Cash Gift?</a> <span>Compares giving to charity by writing a check with giving straight from an IRA, and shows which saves more.</span></li>
  <li><a href="https://consideratecapital.com/embed/illinois-estate-tax-calculator?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Illinois Estate Tax Calculator</a> <span>Estimates the estate tax Illinois and the federal government would charge on what you leave behind.</span></li>
  <li><a href="https://consideratecapital.com/embed/portability-election-calculator?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Portability Election Calculator</a> <span>Shows what filing an estate tax return at the first spouse's death, to carry over their unused exclusion, is worth to the survivor.</span></li>
  <li><a href="https://consideratecapital.com/embed/gift-tax-return-checker?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-880)/2)+',width=780,height=880');return false;">Gift Tax Return Checker</a> <span>Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.</span></li>
  <li><a href="https://consideratecapital.com/embed/step-up-in-basis-calculator?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Step-Up in Basis Calculator</a> <span>Shows the new tax cost of an asset after a death, and how much profit is never taxed because of it.</span></li>
  <li><a href="https://consideratecapital.com/embed/trust-income-tax-brackets?via=bank-trust" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-740)/2)+',width=780,height=740');return false;">Trust Income Tax Brackets</a> <span>Shows how much federal income tax a trust pays on income it keeps, and how that compares with a person paying tax on the same money.</span></li>
</ul>
<p class="cc-quiet-tools-note">Calculators from <a href="https://consideratecapital.com/tools?via=bank-trust">Considerate Capital</a>. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.</p>

Why firms put these on their sites

It ends with you
Every tool closes by telling the reader to talk with a professional who knows their whole situation. The reader is on your site, so the next step is your door.
Something to do, not just read
A visitor who runs their own numbers stays longer than one who reads, and the number they get is the question they bring to you. Every figure traces to a statute, regulation, or agency release, and when the law moves, it changes here.
In plain words
Every tool opens with a plain-English line on what it does and where it stops, so visitors use it without help and know its limits.

Built by Joshua Mangoubi, CFA, MBA. Joshua is a financial adviser who likes building things that help people think clearly about money. We hope these are useful to you and your clients. The tools are educational estimates from primary sources, not advice. Corrections are welcome through the contact page.

Terms. Cite any page, quote any figure with the year attached, or use the links above with the attribution left as it is. No reciprocal link, ever. All 19 professional shelves.