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Gift and Estate Exemption Planner

Track how much of your unified federal lifetime gift and estate tax exemption you have used, and how a planned gift would affect what remains.

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.

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 the Gift and Estate Exemption Planner show?
Track how much of your unified federal lifetime gift and estate tax exemption you have used, and how a planned gift would affect what remains.
How should I use the result?
Use the result as a planning and comparison aid. Review the assumptions, adjust your inputs, and compare the output with your actual options before acting.
What should I do after using this calculator?
Use the related links and next-action modules on the page to compare products, continue in Money Map, or review related guidance on SwitchWize.
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

Gift and Estate Exemption Planner helps users make a investing & retirement decision with clearer numbers, assumptions, and next actions.

How to Use It

  1. 1Enter your numbers in the input panel.
  2. 2Review the live results and interpretation on the right.
  3. 3Use the compare outputs to compare options or plan the next step.
  4. 4Use the related links below if you want to move from analysis to action.
Related calculators
Gift Tax Annual Exclusion CalculatorFederal and State Estate Tax Screening CalculatorGRAT Calculator
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