Estate Tax Calculator
Estimate the federal estate tax on a large estate. For 2026 the first $15,000,000 per person is exempt, and the amount above that is taxed at a top rate of 40%.
Your details
- Taxable estate
- $5,000,000.00
- Net to heirs
- $18,000,000.00
Heirs vs estate tax
- To heirs
- $18,000,000.0090%
- Estate tax
- $2,000,000.0010%
Formula
Taxable estate = gross estate − deductions − exemption. Estate tax = taxable estate × 40%. This is a simplified top-rate estimate and does not model the graduated brackets, prior taxable gifts, state estate taxes, or portability of a spouse's unused exemption.
Frequently asked questions
What is the 2026 estate tax exemption?⌄
The federal exemption is $15,000,000 per person for 2026, made permanent by the 2025 tax law (previously $13.99M in 2025). A married couple can shield up to $30,000,000 combined.
Does my state have an estate tax?⌄
Several states levy their own estate or inheritance tax with much lower thresholds. This calculator estimates the federal tax only — check your state's rules separately.
Sources & methodology
Simplified top-rate (40%) estimate above the $15M 2026 exemption. Excludes graduated brackets, prior gifts, portability, and state estate taxes. Not tax advice — consult an estate attorney.
- •IRS — Estate Tax — IRS
- •Tax Foundation — 2026 estate tax exemption — Tax Foundation
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