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Estate Tax Calculator: Do I Owe Federal Estate Tax?

Estimate whether federal estate tax is likely even in play. For deaths in 2026, this calculator uses a basic exclusion amount of $15 million per person as the first screening threshold.

Currently available for California, Florida, and Texas. More states coming soon.

What This Calculator Is For

Most estates do not owe federal estate tax. The practical value of this tool is screening. It helps you decide whether the estate is clearly below the federal threshold, clearly above it, or in a range where deductions and more detailed tax analysis may matter.

That distinction matters because federal estate-tax analysis is not the same as probate analysis. A family can have a probate problem with no federal tax problem at all, or a tax-sensitive estate that still transfers efficiently through trust planning.

Federal Threshold Screen

The calculator starts with the current federal exclusion amount of $15 million per person for 2026.

Deduction Awareness

Marital and charitable deductions can materially change the result, which is why a rough estimate is only the first step.

Filing Context

A return or filing review may still matter even when no tax is due, especially in larger or more structured estates.

What to Compare Alongside Estate Tax

Tax exposure is only one lens. You still need to know the gross estate value, what assets pass outside probate, and whether the administration plan is efficient. Large estates often have both transfer-planning and tax-planning questions at the same time.

After using this tool, compare the asset picture with the estate value calculator, review probate transfer friction with the probate assessment, and explore the revocable living trust guide if the estate also needs stronger transfer planning.

Official Sources and Further Reading

IRS estate and gift tax overviewVisit sourceIRS About Form 706Visit sourceIRS Publication 559 for survivors, executors, and administratorsVisit source

Common Questions

What is the federal estate tax exclusion for 2026?
For deaths in 2026, this calculator uses a federal basic exclusion amount of $15 million per person. Estates below that level often do not owe federal estate tax, although filing and planning questions can still arise.
Does every large estate owe estate tax?
Not automatically. Deductions, portability planning, charitable transfers, valuation issues, and the composition of the estate can all affect the taxable amount. A calculator is only the first screen for whether a deeper review is needed.
Do the supported states have separate state estate tax calculators here?
This page currently supports California, Florida, and Texas. The calculator is primarily focused on federal estate-tax screening. Separate state estate or inheritance tax exposure depends on the relevant jurisdiction and may require a different analysis.
Is the calculator the same as preparing Form 706?
No. Form 706 is the federal estate tax return used for detailed reporting. This calculator is only an early estimate to help decide whether the estate is even in the range where federal estate-tax review may matter.

Note: This tool provides estimates for informational purposes only. Results are not legal advice. Fees and requirements may vary. Full disclaimer

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Information current as of April 4, 2026

This content is for informational purposes only and does not constitute legal advice. Probate laws and procedures in your state can change. Consult with a qualified attorney for advice specific to your situation. Full disclaimer.