Estate Tax Calculator

Estimate your federal and state estate tax liability. Includes 2025 and 2026 projections.

Calculate Your Estimated Estate Tax

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Include all assets: real estate, investments, retirement accounts, life insurance, business interests

2026 Sunset Warning

The TCJA doubles the federal exemption until Dec 31, 2025. Without Congressional action, the exemption drops from ~$14M to ~$7M on Jan 1, 2026 — potentially exposing many estates to federal tax.

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Calculator Notes

  • Estimates use top marginal rate, not graduated brackets — actual liability may be lower
  • Marital deduction: spouses can inherit unlimited assets tax-free
  • Portability: married couples may transfer unused exemption to surviving spouse (federal only)
  • Annual gift exclusion ($18,000/person in 2024) reduces taxable estate over time
  • Trusts (GRAT, SLAT, ILIT) can significantly reduce estate tax

Common Strategies

  • Annual Gifts — $18K/person/year reduces estate
  • 529 Plans — 5-year gift election up to $90K
  • Irrevocable Trusts — Remove assets from estate
  • Charitable Giving — Unlimited deduction
  • GRATs — Transfer appreciation tax-free
Disclaimer: This calculator provides estimates for educational purposes only and is not tax or legal advice. Estate tax calculations involve complex rules, deductions, and planning opportunities not captured here. Consult a qualified estate planning attorney and CPA before making any estate planning decisions.