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Gift and Estate Exemption Planner

Track how much of your federal lifetime exemption remains after gifts you've already made and plan to make.

Quick answer: Track entered federal exemption usage using taxable gifts after annual exclusions. Enter Lifetime Taxable Gifts Made to Date, Planned Taxable Gift After Annual Exclusions, and Federal Lifetime Exemption to personalize the estimate. It returns Remaining Exemption After This Gift, Remaining Exemption Before This Gift, and Amount Above Entered Remaining Exemption so you can compare the impact before choosing a next step. Use it to compare long-term value, tax impact, risk, time horizon, and contribution choices.

SWReviewed by SwitchWize Research Desk · Last reviewed July 20, 2026
Remaining Exemption After This Gift
$14,500,000
Remaining Exemption After This Gift
$14,500,000
Remaining Exemption Before This Gift
$15,000,000
Amount Above Entered Remaining Exemption
$0
Diagnostic

Before this gift you have about $15,000,000 of lifetime exemption remaining.

After making this gift, about $14,500,000 would remain.

Plan your tax strategy
What to do next

Plan your tax strategy

Your action plan
  1. 1

    Compare the leading option against your current setup

    Track entered federal exemption usage using taxable gifts after annual exclusions.

  2. 2

    Check the assumptions before using the result for a high-stakes decision

    Assumptions change the answer, especially when rates, taxes, or timing matter.

  3. 3

    Save the result to Money Map or use the linked next action

    Turn the result into a prioritized action instead of treating it as a one-off number.

Plan your tax strategy

This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

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Frequently Asked Questions

Everything you need to know.

What does an example Gift and Estate Exemption Planner calculation look like?
Using this calculator's own default assumptions, a lifetime taxable gifts made to date of $0 and planned taxable gift after annual exclusions of $500,000 produces an estimated remaining exemption after this gift of $14,500,000 and remaining exemption before this gift of $15,000,000. Enter your own numbers above to see how it changes for your situation.
What's the difference between an annual exclusion and the lifetime exemption?
The annual exclusion lets you give a certain amount per person each year without using your lifetime exemption. Gifts within the annual exclusion don't count against your lifetime pool. Once gifts exceed the annual exclusion in a year, the overage reduces your lifetime exemption dollar-for-dollar. Your lifetime exemption is the total you can give away over your entire life (and at death) before facing federal tax.
Why does it matter if my gift uses up my lifetime exemption now versus later?
Using exemption today means you have less available at death to shelter your estate from tax. If your estate grows significantly, you might regret using exemption early on smaller gifts. Conversely, if your exemption is scheduled to decrease in the future, making gifts now locks in your current higher exemption amount. The timing trade-off depends on whether you expect your wealth to grow and what exemption changes may be coming.
Is the Gift and Estate Exemption Planner 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 Gift and Estate Exemption Planner 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 plan your tax strategy, or run Money Map to compare this investing & retirement decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (taxes) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
How fresh are the rates and offers shown?
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

Your federal lifetime exemption is a single pool you can use across both taxable gifts during life and your estate at death. Once you exhaust it, transfers above the annual exclusion are subject to federal gift and estate tax. Understanding your remaining exemption helps you strategically time gifts and plan your overall transfer strategy without triggering unnecessary tax liability.

How to Use It

  1. 1Enter the total taxable gifts you've made to date after accounting for annual exclusions.
  2. 2Enter the amount of the gift you're planning to make after annual exclusions apply.
  3. 3Enter your current federal lifetime exemption amount.
  4. 4Review your remaining exemption before and after this gift, and see whether this gift would exceed your available exemption.
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Gift Tax Annual Exclusion CalculatorFederal and State Estate Tax Screening CalculatorGRAT Calculator
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