Does it use 2026 exemptions?

Yes, it calculates federal and state estate tax using 2026 exemption thresholds.

Does it use 2026 exemptions?

Yes, it calculates federal and state estate tax using 2026 exemption thresholds.

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Estate & Inheritance Tax Calculator

Estimate federal and state estate tax for 2025, with deduction and lifetime gift tracking.

2025 RATESFederal + state2026 exemptionMarital deductionTax-saving tips

Total Estate Value

Real estate, investments, retirement, business, personal property

Filing Status

Married couples can double the exemption through portability

State of Residence

Lifetime Gifts Already Made

Reduces available exemption. File Form 709 for gifts above $18K/person/yr

Charitable Deductions

Unlimited for qualified charitable bequests

Marital Deductions

Unlimited for US-citizen spouses. For non-citizen, use QDOT

$1,911,400total estate tax

Effective rate: 12.7%

Total Estate$15,000,000

Available Exemption$12,610,000

Charitable + Marital$500,000

Federal Taxable Estate$1,890,000

Federal Estate Tax (40%)

$701,800

New York Estate Tax (up to 16%)

$1,209,600

Net to Heirs

$13,088,600

💡 Tax-Saving Strategies

• Annual gift exclusion: $18K/person/yr
• Irrevocable Trust removes assets from estate
• Spouse Portability: transfer unused exemption
• Life Insurance in ILIT: proceeds outside estate

Next Steps

Protect your family

Estate taxes can be significant — life insurance helps cover the burden

Life insurance calc →

Data Source & Legal Disclaimer

Effective: 2025-01-01Last updated: 1 years agoUpdate: Annual

Sources: IRS IRC Section 2001 · IRS Estate Tax · State tax data: Tax Foundation

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.

Estate & Inheritance Tax Calculator

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