Estate Tax Calculator
Free Online Estate Tax Calculator
Federal Estate Tax · Gift & Exclusion Planner · Inheritance Distribution
Estate Tax Calculator
Federal Estate Tax · Gift & Exclusion Planner · Inheritance Distribution
The federal estate tax applies only to estates above the lifetime exemption ($13.61M in 2024 per person). Assets above this threshold are taxed at 40%. The exemption is scheduled to sunset to ~$7M in 2026 unless Congress acts.
Your Assets
$
$
$
$
$
$
Deductions & Exemptions
$
$
$
Estate Tax Status
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Federal Estate Tax Owed
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—
Net Estate to Heirs
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—
Gross Estate
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Total Deductions
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Taxable Estate
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Lifetime Exemption
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Amount Above Exemption
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Tax Rate
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Effective Rate on Gross
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2026 Sunset Exposure
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📊 Gross Estate Composition
🔮 Estate Planning Scenarios
If you use full marital deduction (leave all to spouse):—
Annual gifting ($18K/yr × 2 recipients × 20 yrs):—
If exemption sunsets to $7M in 2026:—
Charitable bequest of $500K reduces tax by:—
Life insurance in ILIT (removes from estate):—
Estate Planning Insights
Strategic gifting during your lifetime reduces your taxable estate. The annual gift exclusion is $18,000 per recipient in 2024 (no gift tax, no reporting). The lifetime exemption ($13.61M) is shared between gifts and the estate.
Your Giving Strategy
$
people
yrs
$
$
$
%/yr
Gift Strategy Assessment
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Total Estate Removed via Gifting
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—
Estate Tax Saved
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—
Available Gift Strategies
Annual Exclusion Capacity
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Remaining Lifetime Exemption
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Estate After Gifts (yr 20)
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Tax Saved at 40% Rate
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🔮 Gifting Scenarios
Maximize annual exclusion only (no lifetime used):—
Use remaining lifetime exemption now:—
529 superfunding (5× annual for education):—
If exemption sunsets — urgency of gifting now:—
Charitable Remainder Trust (CRT) strategy:—
Gift Planning Insights
Model how your estate is distributed among heirs after estate taxes, probate costs, and attorney fees. Shows each heir's gross inheritance, taxes, and net amount — and models the income tax impact of inherited retirement accounts.
Your Estate
$
$
% of estate
Distribution to Heirs
%
% (0 = spouse)
%
%
%
%
Inheritance Summary
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Total Distributed to Heirs
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—
Lost to Taxes & Costs
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—
Distribution by Heir
Gross Estate
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Estate Tax
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Probate Costs
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IRA Income Tax (10-yr)
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🔮 Distribution Strategies
If IRAs were Roth (no income tax on withdrawal):—
If trust avoids probate (saves probate costs):—
Step-up in basis on appreciated assets:—
Inherited IRA — 10-year distribution strategy:—
If estate split equally among all heirs:—
Inheritance Planning Insights
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