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Endowment Calculator

Model growth, spending, and sustainability of your endowment fund

Enter your current endowment, growth, spending, and inflation to see long-term sustainability. All inputs validated.

$100K–$1B (typical: $1M–$100M)
Historical: 6–8% after fees
Standard: 4–5% for perpetuity
Long-term avg: 2–3%
10–100 years
New donations or transfers

Enter your data to model your endowment

Endowment management best practices from top institutions.

Target Spending

4–5% Rule: Sustainable in perpetuity

3%: Aggressive growth

6%+: Risk of depletion

Return Benchmarks

Stocks: 8–10%

Bonds: 3–5%

60/40 Portfolio: ~7%

Golden Rule: Real Return > Spending + Inflation

Endowment Calculator: Secure Your Institution’s Future

Plan with confidence using our Endowment Calculator. Model growth, spending, inflation, and new gifts to ensure your fund lasts forever — or achieves your goals.

"Endowments are forever. Spend wisely." — Yale Endowment Model

How the Endowment Calculator Works

The Endowment Calculator uses the compound growth formula:

Future Value = (Current × (1 + Return)^t) + (Additions × ((1 + Return)^t - 1) / Return)

Then subtracts annual spending adjusted for inflation.

  • Real Return: Return − Inflation
  • Sustainable Spending: < 4–5% of 3-year average
  • Perpetuity Rule: Spending ≤ Real Return

Key Metrics from the Endowment Calculator

You’ll see:

  • Future Value: After N years
  • Annual Spending: In today’s dollars
  • Real Growth Rate: After inflation
  • Sustainability Score: Will it last forever?

Why Use This Endowment Calculator?

Built for universities, nonprofits, foundations, and donors who need:

  • Long-term modeling up to 100 years
  • Realistic inputs (no 50% returns)
  • Scenario testing — adjust gifts, spending
  • Perpetuity check built-in
  • Mobile-ready for board meetings

Real Endowment Examples

  • Small College: $5M, 7% return, 5% spend → $4.2M in 30 years
  • Mid-Size University: $50M, 7.5% return, 4.5% spend, $1M gifts → $198M in 30 years
  • Foundation: $100M, 6.8% return, 4% spend → Perpetuity

Get Started with the Endowment Calculator

  1. Get Current Balance: From investment statements
  2. Estimate Return: Historical or target allocation
  3. Set Spending Policy: 4–5% of 3-year average
  4. Plan Gifts: Annual or one-time
  5. Run Scenarios: Stress test your plan

Model Your Endowment Now

The Endowment Calculator turns vision into reality. Enter your numbers and build a lasting legacy.

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