Estate Details
Includes real estate, investments, bank accounts, retirement accounts, business interests, and personal property.
Married couples can double the federal exemption through portability.
Deductions & Prior Gifts
Reduces your available exemption. File Form 709 for gifts above $18,000/person/year.
Unlimited deduction for qualified charitable bequests.
Unlimited for US-citizen spouses. For non-citizen spouses, use QDOT.
Your Estate Tax Estimate
2026 federal & state rates
Simplified estimate. Actual rate depends on heir relationship and estate size.
💡 Common Tax-Saving Strategies
- • Annual Gift Exclusion: Give up to $18,000/person/year (2026) without using lifetime exemption
- • Irrevocable Trust: Remove assets from your taxable estate
- • Charitable Remainder Trust: Income for life, remainder to charity
- • GRAT: Transfer appreciation with minimal gift tax
- • Spouse Portability: Deceased spouse's unused exemption transfers to survivor
- • Life Insurance in ILIT: Proceeds outside your taxable estate
This calculator provides simplified estimates only. Federal estate tax uses a flat 40% rate above exemption (actual rates are progressive 18-40%). State rates are simplified to maximum rates. Inheritance tax varies by heir relationship. This is not legal or tax advice — consult an estate planning attorney.