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Estate Tax Calculator 2026 — Federal and State Estimate

Estimate federal estate tax liability (2026 exemption $15M) and a simplified state estate or inheritance tax estimate for the listed states. See the estimated net amount to heirs.

Quick answer: Screen a taxable estate using entered assets, debts, deductions, exemption, and marginal estate-tax rate; confirm current federal and state rules with a professional. Enter Annual income to personalize the estimate. It returns Estimated taxable income so you can compare the impact before choosing a next step. Use it to estimate tax impact, withholding, deduction, bracket, and after-tax cash-flow tradeoffs.

Estate Details

Gross Estate Value

All assets: real estate, investments, retirement accounts, life insurance, business interests

Debts and Liabilities

Mortgages, loans, other debts (deductible)

Funeral and Administration Costs

State

Select a state with an estate tax; beneficiary-level inheritance taxes are not modeled.

No estate tax shown in this screen

Your adjusted gross estate of $9,485,000 is below the 2026 federal exemption of $15,000,000. This simplified screen does not show federal or selected-state estate tax, but prior taxable gifts, residency, ownership, and state rules can change the result.

What this estimate does not include

QTIP trusts and other marital deduction elections
GRATs, SLATs, ILITs, FLPs, and other advanced strategies
Portability of a deceased spouse's unused exemption (DSUE)
State-specific tax credits and deductions
Beneficiary-level inheritance taxes
IRD (Income in Respect of a Decedent) on retirement accounts

Federal exemption $15,000,000 reflects post-OBBBA extension with inflation adjustment (effectiveYear 2026). Federal tax is a 40% screening estimate on value above the exclusion; state results apply the listed top rate to value above the state exemption and are not return calculations. Prior taxable gifts, DSUE, state cliffs, residency, and beneficiary-level inheritance taxes can materially change the result. Consult a qualified estate attorney and CPA.

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Frequently Asked Questions

Everything you need to know.

Who pays estate tax in 2026?

At the federal level, estate tax generally applies only after the $15,000,000 2026 exemption. State estate or inheritance taxes can apply at lower thresholds and use different rules. Use this calculator as a planning estimate and confirm your state-specific situation with a qualified estate attorney or CPA.

What is the marital deduction?

Assets passing outright to a surviving U.S. citizen spouse are fully deductible from the gross estate — there is no dollar limit. This defers the estate tax until the surviving spouse's death. For non-citizen spouses, a Qualified Domestic Trust (QDOT) is required to access this deduction. Consult an estate attorney for specifics.

Is the Estate Tax Calculator 2026 — Federal and State Estimate free to use?

Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.

Does using the Estate Tax Calculator 2026 — Federal and State Estimate affect my credit score?

No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.

Are the results personalized financial advice?

No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.

What should I do after seeing the result?

Use the recommendation module on this page to learn about estate planning, or run Money Map to compare this taxes decision with your other opportunities.

How does SwitchWize choose related offers?

Related offers are matched by the calculator surface (none) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.

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Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.

Where can I see the ranking methodology?

The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.

Can Money Map use this result?

Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

The federal estate tax affects relatively few estates in 2026 given the $15M exemption, but some states impose estate or inheritance taxes at much lower thresholds. This planning estimate shows the federal layer alongside a simplified state estimate; state-specific schedules, credits, deductions, and beneficiary rules require professional review.