Estate Tax Calculator
Project your estate tax liabilities. Apply federal exclusion limits (2025/2026 sunset), allowable deductions, and state-level estate/inheritance taxes.
Total Tax Owed: $0
Estate Parameters
| Estate Metric | Nominal Value ($) | Details |
|---|---|---|
| Gross Estate Value | $7,200,000 | Sum of all real estate, cash, securities, and business holdings. |
| Total Deductions Allowed | -$630,000 | Includes debts, funeral costs, marital transfers, and charitable bequests. |
| Net Estate Value | $6,570,000 | Gross assets minus allowable estate deductions. |
| Federal Exemption Threshold | $13,990,000 | Unified transfer tax credit applied to the estate (2025/2026 laws). |
| Federal Estate Tax Owed | -$0 | Computed at 40% of the federal taxable estate value. |
| State Estate Tax Owed | -$0 | Exemption: $0 | Rate: ~12% |
| State Inheritance Tax Owed | -$0 | Relationship multiplier: 4.5% |
| Net Estate to Heirs | $6,570,000 | Total cash value distributed to beneficiaries after taxes. |
About this Calculator
A professional-grade Estate Tax Calculator designed to help individuals, estate planning attorneys, and wealth managers project potential estate tax liabilities at both the federal and state levels. The calculator inventories gross estate assets (real estate, liquid cash, investments, business holdings, retirement accounts, life insurance, and personal property), applies allowable estate deductions (liabilities, funeral costs, administrative fees, charitable contributions, and marital transfers), models federal unified estate tax exclusions (including the impact of the upcoming 2026 TCJA sunset), and calculates progressive tax rates. It also incorporates state-specific estate and inheritance taxes based on the decedent's state of residence and heir relationship.
Why This Matters
- Wealth Preservation Planning: High Net Worth Individuals (HNWIs) can project their estate tax exposure and evaluate the necessity of trusts, gifting strategies, or life insurance to cover taxes.
- Sunsetting Exclusion Risks: Model the significant tax impact of the Tax Cuts and Jobs Act (TCJA) provisions sunsetting in 2026, which is projected to cut the federal estate exclusion limit in half.
- State
- Level Estate Tax Awareness
: Many states levy estate taxes at much lower exemption thresholds (e.g., $2 million in Massachusetts, ~$7 million in New York) than the federal limit, creating unexpected tax burdens. - Inheritance Tax Modeling: Estimate state
- level inheritance taxes, which are determined by the familial relationship between the decedent and the heirs (spouses, descendants, siblings, friends).
Core Features
1. Gross Estate Asset Inventory Ledger
How Estate Tax Calculator | Project Federal & State Liabilities Works
Our high-performance online utility runs entirely client-side, processing your requests securely and instantly inside your web browser. For related features, you can also use our Tax Calculator and Finance Calculators tools.
Enter Input Details
Provide your parameters or upload your file securely into the workspace.
Instant Processing
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Why Use Our Estate Tax Calculator | Project Federal & State Liabilities?
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Frequently Asked Questions
Does this include state-level estate taxes?
Yes. Apply federal exclusions plus state-level estate and inheritance taxes.