Are your heirs going to write a massive check to the IRS when you die? This calculator estimates your potential estate tax liability based on current law, factoring in both federal exemptions and state-specific death taxes.
Input Your Assets
To get an accurate estimate, you must include all assets that contribute to your gross estate, including the death benefit of any life insurance policies you own.
Real Estate
Primary residence, vacation homes, and investment properties.
Investments
Brokerage accounts, 401(k)s, IRAs, and business interests.
Life Insurance
The full death benefit of any policy where you have 'incidents of ownership.'
The 2026 Sunset Scenario
The calculator allows you to toggle between the current $13.61 million exemption and the projected $7 million exemption post-2025 to see how congressional inaction could impact your family.
Tip
Life Insurance Trap
Many people are shocked to learn that their $2 million term life insurance policy pushes them over the state estate tax exemption limit. Consider an ILIT to remove it from your estate.