This calculator supports UK/US assumptions only. Choose the applicable market in the calculator or its named UK/US tool. Israeli rules are not implemented.
The 2026 federal exclusion is $15M per person. See a simplified estimate for a US citizen or resident, then add your state tax assumptions.
0.0% effective, using the 2026 federal exclusion
No tax is estimated under these assumptions. Prior taxable gifts, asset ownership and state rules can change the result.
Illustrative only, not tax advice. Assumes no prior taxable gifts and applies 40% above the federal exclusion. The couple scenario assumes both full exclusions are available; this is not automatic. State tax is a flat-rate approximation using your inputs. Marital and charitable deductions, state-tax deductions and nonresident rules are not modelled. Source: IRS Form 706 instructions (2026).
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No. This planning scenario assumes both full 2026 exclusions are available, totalling $30M. Actual availability depends on prior gifts, ownership and estate planning. Portability of a deceased spouse's unused exclusion generally requires a Form 706 election. There is no joint estate tax return.
Enter the applicable state exemption and a rate for your scenario. The model applies that rate to the amount above the exemption. It does not reproduce graduated brackets, cliffs, inheritance taxes or federal deductions for state estate tax. A zero rate excludes state tax from the estimate; it does not confirm that none is due.
The model uses the 2026 basic exclusion of $15M per person, as listed by the IRS. It assumes the full amount remains available. Earlier gifts and any deceased spouse's unused exclusion need a separate review.