In 1948 Fred and Helen Wiggins executed a joint will. Mr. Wiggins died in 1948. In 1968 and 1969 Helen Wiggins executed two codicils changing the testamentary disposition of her estate. She died in 1969.
The issue before the court is whether the codicils were effective to alter the dispositions contained in the will of Mr. and Mrs. Wiggins. Upon a petition requesting reprobate of the will, probate of the two codicils and construction of the conflicting provisions contained in the instruments, the Surrogate admitted *605both the will and the codicils to probate and held that the bequests in the codicils Were to be given effect, finding that the. will did not constitute a contract between the two testators for joint disposition of their estates.
The will provided that the estate of the first to die was to pass to the survivor and upon the death of the survivor, certain specific legacies totaling about $1,800 were to be paid. The residue was bequeathed to the First Baptist Church of Warsaw, New York, for scholarships and general church purposes. The two codicils bequeathed specific legacies totaling approximately $27,000.
At the time of Fred Wiggins’ death the value of the estate was approximately $60,000. The couple had no children and Mrs. Wiggins had been employed during their marriage and had contributed some of her earnings to their joint property. Ih addition, Mrs. Wiggins had inherited property worth about $27,000 from her relatives, prior to her husband’s death. It is alleged that the value of the joint estate has increased as the result of careful management and the predictable influence of inflation during the 21-year period between Mr. Wiggins’ death and the death of his wife and now' exceeds $200,000.1
The positions of the Surrogate and the dissent are grounded upon paragraph Second2 of the will which provided in part: <fthe survivor of us shall have the full use and the power to consume the principal of the decedent’s estate during his or her lifetime, except the right to dispose of the same by Will.” (Emphasis added.) The Surrogate, noting that this paragraph *606referred to the “ decedent’s estate” rather than “ onr property ”, held that no contract was created by the joint will and that disposition was restricted only with respect to the estate of the first testator to die. The dissent relies upon the same language but, conceding a contract, contends that this language limits its application to the assets of both parties as they existed at the time of Mr. Wiggins’ death in 1948.
We hold that the parties entered into a binding contract for the distribution of their collective assets, that Mrs. Wiggins’ promised performance became irrevocable upon the death of her husband in 1948 and that the entire estate of the two parties as it existed at the time of Mrs. Wiggins’ death is to be distributed in accordance with the will, the bequests contained in the later codicils notwithstanding.
The joint will contains familiar indicia of the parties’ intention to make a contract and states reciprocal promises for the disposition of the parties’ collective property binding upon the survivor. - The entire context of the instrument is plural. Thus, it provided that “we ” make this “ our ” last will devising “ all our property ”, stated that it was the will of “ each one of us and both of us” and employed similar language throughout (see Rastetter v. Hoenninger, 214 N. Y. 66, 72). The will.does not contain an absolute gift of property to the survivor but only life use of the joint estate (see Rubenstein v. Mueller, 19 N Y 2d 228, 232; Rich v. Mottek, 11 N Y 2d 90, 94; Tutunjian v. Vetzigian, 299 N. Y. 315, 320; and cf. Matter of Zeh, 24 A D 2d 983, affd. 18 N Y 2d 900). Furthermore, paragraph Third provided: “ it is the will and desire of each of us and our mutual desire that, upon the death of whichever one of us that survives the other, that all of the remainder of our property, either real or personal * * * shall be divided and we give, devise and bequeath the same as follows ”.
This language brings the instrument well within the form of those wills which the courts have held to be contracts providing for a joint disposition of the parties’ collective assets. Having found that, the governing rules are easily applied. The reciprocal promises of the will are irrevocably binding on the survivor after the death of one of the testators. Mrs. Wiggins was at liberty to use the property during her lifetime as her own and as she saw fit but she could not alter the testamentary disposition contained in the will (Rich v. Mottek, supra, p. 93; Rastetter v. Hoenmnger, supra, p. 73) and if she attempted to do so after the death of her husband, the beneficiaries of the will could maintain an action in equity to enforce its terms. While this is *607an appeal from a constructiqn proceeding and not an equitable action, we may not recognize rights here which must later be undone by separate action in equity.
The dissent would construe the phrase ‘ ‘ all of the remainder of our property ” found in paragraph Third to mean only the property owned by testators, either jointly or singly, at the death of the first of them and that Mrs. Wiggins’ property should be bound by the contract only to the extent of its value at the time of her husband’s death in 1948. This interpretation of the will is not only in conflict with the language it relies upon from paragraph Second but it also construes an isolated phrase in a way which is at odds with the testamentary plan established by the whole will and which does violence to the concept of joint wills by destroying the mutuality of the parties ’ promises. We should not adopt such an extraordinary interpretation without a clear indication in the instrument that it represents the intention of the testators. The will is not to be construed from the reading: of a single word or sentence, but * ‘ from a sympathetic reading of the will as an entirety and in view of all the facts and circumstances ” (Matter of Fabbri, 2 N Y 2d 236, 240).
The manifest purpose of the parties was to provide for the security of the survivor and to remember the legatees, principally the church, after the last death. Mrs. Wiggins’ codicils recognized this commitment because the provisions of the codicils did not alter the original plan significantly, they merely attempted to increase the size of some of the specific legacies3 and add a few more. No doubt her actions were prompted by the increase in the value of the estate but this was a natural consequence of the joint will in view of the lengthy interval separating the two deaths. Such a possibility is a necessary consideration in all estate planning and may not justify altering the fixed disposition of the assets. The problems the dissent anticipates by a remarriage of the surviving spouse are matters within her control and easly resolved by proper planning. The imprecision of its proposed rule limiting the operation of the will to those assets existing or contemplated at the time of the will’s execution would only magnify such difficulties and others frequently arising from the use of joint wills.
Finally, the dissent contends that equitable considerations support the result it proposes. It is not clear what equitable considerations mandate such a strained construction of the will, *608The testamentary plan to which we give effect is precisely that agreed upon by the parties, a plan by which the great proportion of the estate goes to the church, with friends, remote relatives and other charities receiving relatively small financial gifts. The facts that Mrs. Wiggins was not profligate with the funds and that there was no fraud on her part or unjust enrichment do not change her promise or alter the terms of the contract contained in the joint will.
The will and the codicils, having been duly executed, should be admitted to probate but the codicils were without legal effect to alter the terms of the will, and the Surrogate’s construction of the instruments to the contrary should be reversed.
. The property in issue was derived from the original estate in 1948. The dissent refers to it as “after-acquired property”, but it is after-acquired only in the sense that it reflects and includes appreciation in value and savings from the earnings of the estate after the husband’s death.
. The entire paragraph reads:
“ It is the will and desire of each of us and each gives, devises and bequeaths to the other, upon the death of either of us, all of the property, both real and personal and where so ever the same may be situate, of the deceased party for the use of the surviving party so long as the said survivor shall live, and the said survivor shall have the right to invade the principal, or corpus of the decedent’s estate, both real and personal, as he or she shall in his or her own discretion require for his or her proper maintenance, support and comfort during the survivor’s lifetime, and the survivor shall have the full power and authority during his or her lifetime, to sell and transfer any and all real and personal property of which the decedent died seized, and the said survivor may invest the same and the proceeds thereof, without regard to the laws for the investment of trust funds. It is the mutual wish and desire of each of us that the survivor of us shall have the full use and the power to consume the principal of the decedents estate during his or her lifetime, except the right to dispose of the same by Will.” (Emphasis added.)
. The similarity of the names of the specific legatees in the will and some of those named in the codicils 20 years later would suggest that the subsequent legatees were heirs as survivors of those originally named.