Estimate federal estate tax and how much heirs will receive.
On $0 taxable estate
After federal estate tax
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Federal Estate Tax applies above $13.99M (2025)
Rate: 18-40% progressive on taxable estate amount
The 2024 federal estate tax exemption is $13.61 million per individual ($27.22M for married couples). Estates below this pay no federal estate tax.
Estate tax applies to the portion of your estate above the exemption. Rates start at 18% and go up to 40% for amounts far above the exemption.
Without Congressional action, the exemption reverts to ~$7M per person in 2026 (inflation-adjusted). Estate planning is urgent for large estates.
Everything you own at death: home, retirement accounts, life insurance (if you owned the policy), investments, business interests, personal property.
Annual gift exclusion ($18K/year per recipient in 2024), irrevocable trusts (ILIT for life insurance), charitable giving, 529 plans. Work with estate attorney.
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.