# Legacy and Estate Calculator | Celestial Wealth Solutions > Estimate what would pass to the people you name after debts and final costs, and compare it against what you intend to leave behind. Canonical page: https://celestialwealthsolutions.com/financial-tools/legacy-calculator # What could your financial legacy look like, in about 3 minutes Most people know what they want to leave. Fewer have checked what would actually arrive after the mortgage, the debts and the final costs come out first. Want help understanding your results? ## What this assumes - Available legacy is your assets plus retirement assets plus the life insurance death benefit, less the mortgage, other debts and final expenses. - Everything is treated at today's value. No growth, no inflation and no change in asset values between now and then is applied. - No taxes of any kind are calculated. Estate, inheritance and income tax treatment of inherited accounts vary and belong with your tax professional and attorney. - Probate costs, settlement expenses and how assets are titled are not modeled, and titling in particular can change who receives what. ## Reading your result ### What this calculated What would be available to pass on after debts and final costs, set against the total you said you intend to leave, and the difference between the two. ### Why the number matters Intentions are usually written in round numbers, while what actually arrives is whatever is left after obligations are settled. The gap between those two is where families get surprised. ### What could change it Paying down the mortgage, a change in asset values, taxes on inherited accounts, how accounts are titled, and whether beneficiary designations are current. A designation overrides a will. ### Reasonable next steps Check every beneficiary designation you have, because those pass outside a will and are the most commonly out of date. Then take the tax and titling questions to an attorney and a CPA. This tool is educational and does not provide financial, investment, tax, legal or insurance advice. Results are estimates based only on the information you enter and the assumptions shown, they are not a quote, an offer of coverage or a promise of any outcome, and your actual situation will differ. Insurance guarantees are backed by the claims paying ability of the issuing insurance company. Speak with a licensed professional before acting on anything you see here. Keep going ## Other tools worth two minutes ## Numbers are a start. A conversation is the next step. Bring what this gave you. We will tell you what it misses, what it gets right, and what is actually worth doing about it. --- Celestial Wealth Solutions, an independent financial services agency in Fremont, California. Retirement and retirement, annuities, life insurance and IUL, free financial education, and licensing for new financial professionals. Zeena Carmona (510) 461-2496, Geancarlo Carmona (858) 405-6743, Contact@CelestialWealthSolutions.com. Monday to Saturday, 9am to 6pm PT. Other times by appointment. Important disclosures: Celestial Wealth Solutions provides financial education and insurance services. This website is for educational purposes only and is not financial, tax, legal or investment advice. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefits. Dividends are not guaranteed. Past performance does not indicate future results. Full set: https://celestialwealthsolutions.com/disclosures Powered by [Launch Automation](https://launchautomation.ai)