Estate Tax Exposure Calculator

A liquidity event can push an estate over the federal exemption faster than people expect. See whether you're exposed at today's 2026 exemption, roughly how much federal estate tax that implies, and what would pass to heirs — a starting point for the conversation with an estate attorney.

Gross estate value

Everything in the taxable estate — booked value.Federal exemption per person

Pre-filled with the published 2026 figure ($15M, 2025 OBBBA). Edit if it changes.

Marital status

Married couples can combine both exemptions with portability.

Estimated federal estate tax$0$20,000,000 to heirs after federal estate tax

Exemption applied$30,000,000

Estate above the exemption$0

Federal estate tax (40% of excess)$0

Below the exemption. No federal estate tax at these values — but state estate/inheritance taxes (not modeled here) may still apply.

See this tracked live in Velira

Velira keeps your full picture current — concentration, safe spend, and estate exposure — and tells you the move your plan calls for.

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Estimate for education only, not financial, tax, or legal advice. It uses simplified, published figures and the assumptions you enter; it omits state taxes (except where you supply a rate), AMT, trusts, and many planning tools. Velira does not file, transmit to the IRS, or move money. Confirm everything with your CPA or estate attorney.

Estate Tax Exposure Calculator

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