Estate Tax Calculator

The federal estate tax applies to very large estates above the lifetime exemption (multi-million dollar threshold indexed for inflation). Tax is assessed on...

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Introduction

The federal estate tax applies to very large estates above the lifetime exemption (multi-million dollar threshold indexed for inflation). Tax is assessed on net estate value after deductions before distributions to heirs.

Federal Estate Tax

The federal estate tax applies to very large estates above the lifetime exemption (multi-million dollar threshold indexed for inflation). Tax is assessed on net estate value after deductions before distributions to heirs.

Gross vs Taxable Estate

Gross estate includes real estate, investments, business interests, and certain lifetime gifts. Deductions include debts, funeral expenses, charitable bequests, and marital deductions for assets passing to a U.S. citizen spouse.

State Estate Taxes

Some states impose separate estate or inheritance taxes at lower thresholds. This calculator focuses on federal estimates; verify state rules if you live in CT, NY, MA, OR, WA, or other states with transfer taxes.

Planning

Estate planning uses trusts, gifting strategies, and life insurance. Use this tool for orientation only; engage an estate attorney for documents and strategy.

How It Works

  1. Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
  2. Click Calculate to run the Estate Tax Calculator engine. Invalid or empty required fields show a clear error message.
  3. Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
  4. Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.

Formula

Net estate = total assets minus debts, funeral costs, charitable bequests, and state estate tax. Taxable estate = net estate plus prior taxable gifts minus the federal lifetime exemption. Federal estate tax = 40% of the taxable amount.

FAQ

Yes. CDCalculator.io provides the Estate Tax Calculator at no charge for personal and educational use. Results are estimates and not financial advice.

The tool uses standard formulas lenders and planners use in spreadsheets. Your bank may round differently or include fees not modeled here.

Use the Copy Results and Print buttons on the calculator panel after you run a scenario. You can also share the page link with colleagues.

Focus on realistic rates, terms, and any extra payments or contributions. Small changes in APR or time horizon often move outcomes more than rounding.

No. Use this calculator to explore scenarios, then consult a qualified advisor or lender for decisions about tax & salary products.