Windfall Wealth Planner | Lottery, Inheritance, Bonus Tax Calculator, HTML (Digital Download)

**Just came into money? Plan it before you spend it.**

**Windfall Planner • Inheritance Calculator • Lottery Winnings Planner • Wealth & Lifestyle Projection**

Whether your windfall comes from a **lottery jackpot, inheritance, business/property sale, bonus, or RSU vesting**, the Windfall Wealth & Lifestyle Planner helps answer three important questions:

**How much will I keep after taxes? What can I afford? Will the money last?**

This single-file HTML calculator works completely offline — **no subscription, no login, no spreadsheet formulas, and no installation.**

## WHAT YOU CAN PLAN

✓ Estimated federal and state taxes
✓ After-tax windfall amount
✓ Home purchase and annual carrying costs
✓ Property tax, insurance, maintenance, and utilities
✓ Personal spending, travel, cars, and gifts
✓ Inflation and investment assumptions
✓ Year-by-year portfolio and net-worth projections
✓ Built-in long-term projection chart

## WHAT'S INCLUDED

* Blank Windfall Wealth & Lifestyle Planner HTML file
* Sample-filled version
* 2026 progressive federal tax bracket engine
* Incremental tax modeling that can include other taxable income assumptions
* Editable state tax rate
* Home affordability calculator
* Lifestyle budget planner
* Multi-year investment projection
* Full year-by-year financial ledger
* Light/dark mode
* Custom accent color and planner name

## HOW IT WORKS

1. Download and unzip your files.
2. Open the `.html` file in your browser.
3. Enter your windfall, filing status, home price, spending, and investment assumptions.
4. Instantly see estimated taxes, after-tax funds, annual expenses, portfolio value, and net worth.

Change your assumptions anytime to compare different financial and lifestyle scenarios.

## GREAT FOR

**Lottery winners • Inheritance recipients • Business owners • Property sellers • Bonus/RSU recipients • Financial coaches and planners**

## PRIVATE & OFFLINE

✓ No subscription
✓ No login or account
✓ No Excel or Google Sheets required
✓ Works offline after download
✓ Compatible with modern Chrome, Safari, Edge, and Firefox browsers on Mac and Windows

## DIGITAL DOWNLOAD

**Digital product only. No physical item will be shipped.**

## IMPORTANT DISCLAIMER

This planner is for educational and illustrative purposes only and is not tax, legal, financial, accounting, or investment advice.

Federal tax estimates use **2026 IRS tax brackets and standard deductions (Rev. Proc. 2025-32)**. State tax defaults to **0%** and can be edited for your situation. All investment returns, expenses, taxes, and projections are hypothetical estimates and are not guarantees of future results.

**Plan the windfall. Test the lifestyle. See how long your money could last — before you spend it.**