Estate Tax Calculator
Use our estate tax calculator to estimate federal and state taxes, explore exemptions, and protect your legacy. Get instant, accurate estate planning insights to minimize tax burdens effectively.
Estate Details
Federal Estate Tax Exemption Calculator
Estate Tax Comparison
Frequently Asked Questions About Online Calculators
How do I estimate federal estate tax using an online calculator without uploading documents?
You simply type your numbers directly into the fields—total estate value, applicable exemptions, and your state. The entire calculation runs locally in your browser’s JavaScript engine. No documents are ever uploaded, stored, or transmitted. This makes it safe for sensitive estate planning, even if you’re dealing with confidential family trusts or business valuations. Many users run multiple scenarios back-to-back without ever worrying about data leaks.
Is the estate tax exemption the same for married and single people in this calculator?
No, and the exemption calculator tab makes this clear. For 2023, an individual gets about $12.92 million in exemption. A married couple can combine their exemptions to shield roughly $25.84 million through a strategy called “portability.” The exemption calculator asks for your marital status and birth year, then shows both the individual and married exemption amounts side by side. It also adjusts for historical years, so if you’re planning an estate for a death in 2024 or 2025, you’ll see projected inflation-adjusted numbers.
What’s the difference between the estate tax calculator and a gift tax calculator?
Estate tax applies to everything you own at death. Gift tax applies to transfers you make while alive. However, they share the same unified lifetime exemption. The main estate tax calculator on this page focuses on death-time transfers, but the exemption calculator actually shows you how much of that unified exemption you’ve already “used” if you made large gifts. For pure gift tax planning, you’d want a separate gift tax calculator. For most families, running the exemption calculator here gives you 80% of what you need.
Can I use this estate planning tool to compare three different trust strategies?
Yes, and that’s exactly what the Comparison tab is built for. Enter your total estate value and state once. Then create three scenarios with different exemption amounts and tax rates. For example: Scenario 1 = no trust (using standard exemptions). Scenario 2 = a credit shelter trust (maximizing the married exemption). Scenario 3 = an intentionally defective grantor trust (IDGT) with a lower effective rate. The comparison table shows the tax due and net estate for all three, and highlights which scenario minimizes taxes and which maximizes inheritance.
Does an estate tax calculator work for 2025 and future tax years?
Yes, and this is where most calculators fall short. The exemption calculator lets you set the “estate year” up to 2030. It projects future inflation-adjusted exemptions based on current law (using a reasonable annual inflation estimate). The top marginal rate is also adjustable, so if you think tax rates will revert to 55% (the pre-2018 level), you can manually change that. The historical table below shows actual exemptions from 2010 onward, giving you a data-backed way to forecast future changes.
Guide
The Only Estate Tax Calculator That Doesn’t Need Your Private Data (And Why That Matters)
You’ve probably already been through this: you start googling “how to estimate federal estate tax,” land on a “free calculator,” and before you see any results, it asks for your email, your spouse’s birth date, and a rough idea of your net worth. It feels invasive, because it is. Most of those tools are just lead generators disguised as calculators.
The estate tax calculator on heycalc.org works completely differently. It runs entirely in your browser. No uploads, no sign-ups, no “sharing your data with partners.” You type in your numbers—estate value, state of residence, exemptions—and the tax estimate appears instantly. It’s the kind of tool you’d build for yourself if you had a few free weekends and really cared about privacy.
And because estate planning shouldn’t feel like a guessing game, this same tool also includes a built-in exemption calculator and a side-by-side scenario comparison. Let’s walk through what it actually does, why the numbers are trustworthy, and how to use it without accidentally leaving a digital trail.
Why “Client-Side” Is a Big Deal for an Estate Tax Tool
Most people searching for a “safe online estate tax calculator” have the same quiet fear: Is this going to save my numbers somewhere? With HeyCalc, the answer is a flat no.
Everything happens inside your own device. The JavaScript processes your inputs locally. The federal and state tax calculations, the exemption history table, the comparison graphs—none of it touches a server. That means you could be running numbers for a $15 million estate with complex marital deductions, and no one else will ever know.
This also solves another common worry: “Does an estate tax calculator work without an internet connection?” Once the page loads, yes. You could put your laptop in airplane mode and still calculate estate tax, run the exemption estimator, or compare three different gifting strategies. It’s essentially a desktop app wrapped in a web page.
How to Actually Use the Estate Tax Calculator (Beyond Just Typing Numbers)
Let’s skip the obvious “enter numbers and click calculate” advice. Here’s how different people use the same tool for very different goals.
For financial advisors doing a quick pre-meeting sanity check: Use the Comparison tab first. Enter your client’s estimated estate value and state. Then set three different exemption levels—for example, the current federal exemption ($12.92 million for 2023), a possible future reduction scenario ($6 million), and a “max portability” scenario for married couples. The table instantly shows which scenario leaves the most net estate to heirs. You can bring that printout (or PDF, using your browser’s print function) directly into a client conversation.
For a married couple worried about portability: Jump to the Exemption Calculator tab. Enter the older spouse’s birth year, select “Married,” and set the estate year to 2025 or 2030. The results show not just your individual exemption, but the combined married exemption—which is often double. The historical table below gives you context: what were exemptions five years ago? How have top rates changed? That helps you decide whether to delay or accelerate certain gifts.
For an executor handling an estate right now: Stick to the main Calculator tab. But don’t just use the default 40% rate. If the estate includes a family business or farmland, you might qualify for Section 2032A special use valuation. Lower the “Applicable Tax Rate” manually to 30% or 35% and see how it changes the tax due. The detailed breakdown table shows gross estate minus exemptions equals taxable estate, then splits federal vs. state tax. That’s exactly the line-by-line you’d see on IRS Form 706.
Is This Estate Tax Calculator Accurate for My State?
A lot of online tools handle federal estate tax and stop there. But if you live in Washington, Oregon, Minnesota, New York, or any of the 12 states with their own estate tax, a federal-only calculator gives you a dangerously incomplete number.
This tool includes a state estate tax toggle. Select your state from the dropdown (or choose “Federal Only” if you’re in Florida or Texas), and the calculator applies the appropriate state-level tax alongside the federal calculation. The “Tax Breakdown” chart then shows the split visually. For a $10 million estate in New York, state taxes alone can exceed $500,000—not a number you want to miss.
And if your state has no estate tax but does have an inheritance tax (looking at you, Nebraska and Pennsylvania), the calculator defaults to federal-only but leaves the rate field editable. You can manually enter your state’s inheritance tax percentage as an additional adjustment.
Why You Still Need a Professional (Even With a Perfect Calculator)
This estate tax calculator gives you a fast, private, and surprisingly accurate estimate. It handles federal and state taxes, compares scenarios, and never asks for your email. But here’s the line: it does not replace a certified estate planning attorney or a CPA.
The calculator assumes simple exemptions and a flat applicable rate. It doesn’t know about:
- QTIP trusts or marital deductions that change year by year
- Generation-skipping transfer tax (GSTT) exemptions
- State-specific nuances like Oregon’s “clawback” provision or Massachusetts’ $1 million exemption floor
- Charitable remainder trusts (CRTs) or family limited partnerships (FLPs)
Use the calculator to get educated, to run “what if” scenarios privately, and to arrive at your professional’s office with smart questions. Then let the expert handle the paperwork.
The 30-Second Takeaway
If you search for “free online estate tax estimator” right now, you’ll find dozens of options. Most will ask for your name and email before showing you a number. A few will work instantly but ignore state taxes. Almost none will let you compare three scenarios side by side.
The HeyCalc estate tax calculator does all three things: instant, private, and comprehensive. It runs on your machine, respects your data, and shows you both federal and state liabilities. Whether you’re a financial advisor, an executor, or someone just starting to think about legacy planning, bookmark this one. It’s the tool you’ll come back to every time the IRS announces another exemption change.