Estate & Gifting Planner

Explore estimated estate and gift tax scenarios. Results are for educational purposes and are not tax advice.

Using 2026 IRS Data

Your Information

Total Estate Value

The combined value of all assets: real estate, investments, retirement accounts, insurance, etc.

Filing Status

Single

Married

Your tax filing status. Married filers with gift splitting have higher exemption limits than single filers.

Annual Gift per Recipient

Amount you plan to gift each year. The 2025 annual exclusion is $19,000 per recipient.

Number of Gift Recipients

How many people you plan to gift to each year (family members, trusts, etc.).

Years of Planned Gifting: 20

1 year 30 years

How long you plan to continue an annual gifting program to reduce your taxable estate.

Expected Estate Growth Rate: 5%

2% 8%

Expected annual return on your estate assets. Higher growth rates favor more aggressive gifting strategies.

Life Insurance Death Benefit (Optional)

Life insurance proceeds included in gross estate for tax purposes. Can significantly increase taxable estate.

Use sunset exemption (~$7,000,000) after 2025

The current $13.99M lifetime exemption may drop to ~$7M after 2025 if Congress doesn't act. Check to model this scenario.

Projected Estate Value

Total Gifts Made

Lifetime Exemption Used

Lifetime Exemption Remaining
$0

Gross Estate $0

Taxable Amount $0

Estate Tax $0

Gross Estate $0

Taxable Amount $0

Estate Tax $0

Total Estate Tax Saved$0

2025 Exemption Amounts: $13,990,000 per person (single) or $27,980,000 (married, with gift splitting)
Annual Exclusion: $19,000 per recipient (or $38,000 if married with splitting)
Estate Tax Rate: 40% on taxable estate above exemption
Estate Growth: Applied annually at the rate specified
Gift Timing: Gifts assumed made at beginning of each year
Sunset Provision: If toggled, exemption reduces to ~$7,000,000 after 2025
Life Insurance: Included in gross estate for tax purposes
Note: See disclaimer below for important limitations.