⚖️ Estate Tax Calculator · USA 2026
📘 HOW TO USE (with example):
Enter the total value of your taxable estate (e.g., $20,000,000) and click "Calculate". The calculator subtracts the 2026 exemption of $15,000,000, then applies 40% tax on the excess.
🔍 EXAMPLE $20 million estate:
➤ Taxable excess = $20,000,000 - $15,000,000 = $5,000,000
➤ Estate tax (40%) = $2,000,000 ← paid to IRS
➤ Heirs receive = $20,000,000 - $2,000,000 = $18,000,000
All four charts below update instantly with your numbers.
📈 GRAPH – tax curve & current point
Line: tax for estates $0–$30M · Red dot: your estate
📊 COLUMN – estate vs tax
Bar height: total estate & tax (in million $)
🥧 CIRCLE – tax / heirs receive
Portion paid as tax (red) vs. heirs (green)
🍩 CHART – disposition of estate
Exempt + remainder (both to heirs) vs. tax
How to Use the Estate Tax Calculator (Step-by-Step – USA Guide)
Using a federal estate tax calculator USA is simple and helps you estimate how much tax your estate may owe under current IRS rules. Follow the steps below to get accurate results.
Step 1: Enter Your Total Estate Value
Start by entering the full value of your estate. This should include:
Real estate (homes, rental properties)
Bank accounts and cash
Stocks, bonds, and investments
Business ownership
Retirement accounts (IRA, 401(k))
Life insurance (if applicable)
This step is essential for a net estate value and estate tax calculator USA to calculate your gross estate correctly.
Example:
If your total assets are worth $14,500,000, enter that amount as your gross estate.
Step 2: Add Deductions (IRS-Allowed Reductions)
Next, input deductions that reduce your taxable estate under federal law, such as:
Funeral and administrative expenses
Charitable donations
Debts and liabilities
Marital deduction (assets left to a spouse)
A US inheritance and estate tax calculator uses these deductions to calculate your net estate value before taxes.
Example:
Funeral + debts + charity = $800,000 in deductions.
Step 3: Select the IRS Exemption Year
Choose the correct exemption year in the IRS estate tax calculator 2025 settings.
The federal estate tax exemption determines how much of your estate is tax-free.
For example:
2024–2025 estimated exemption: ~$13.61 million (per individual)
An estate tax exemption calculator United States automatically subtracts this exemption from your net estate.
Step 4: Calculate Your Taxable Estate
Once deductions and exemption are applied, the tool works as a taxable estate calculator after exemption USA and shows the portion of your estate that may be subject to tax.
Formula:
If your estate is below the exemption, your federal estate tax may be $0.
Step 5: View Estimated Federal Estate Tax (40%)
After calculating the taxable portion, the tool answers the key question:
“How much estate tax will I pay in the US calculator?”
The current top federal estate tax rate is up to 40%.
The calculator will display:
Gross Estate
Net Estate Value
Taxable Estate
Estimated Federal Estate Tax
Real USA Example Calculation
Total Estate: $16,000,000
Deductions: $1,000,000
Net Estate: $15,000,000
Federal Exemption (2025): $13,610,000
Taxable Estate: $1,390,000
Estimated Estate Tax (40%): $556,000
This is exactly how a federal estate tax calculator USA helps families plan wealth transfer and avoid surprises.
Frequently Asked Questions (FAQ) – Estate Tax Calculator (USA)
A federal estate tax calculator USA is an online tool that estimates how much federal estate tax your estate may owe based on IRS exemption limits, deductions, and current tax rates.
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An IRS estate tax calculator 2025 provides a close estimate using current federal exemption limits and the 40% top estate tax rate. However, final tax liability should always be confirmed with a tax professional or estate attorney.
Your results depend on:
Total estate value
Deductions and debts
Charitable contributions
Marital transfers
Federal estate tax exemption amount
Larger estates above the exemption threshold will generally owe more tax.
A US inheritance and estate tax calculator typically includes:
Gross estate value
Net estate after deductions
Federal exemption calculation
Taxable estate amount
Estimated federal estate tax owed
Some advanced tools also include visual charts and tax breakdowns.
A taxable estate calculator after exemption USA subtracts the federal exemption from your net estate value. Only the amount above the exemption is subject to federal estate tax.
An estate tax exemption calculator United States shows how much of your estate is protected from federal taxes based on the current IRS exemption limit, helping you plan wealth transfer more effectively.