Calculator

Will the IRS inherit part of your estate?

The 2026 exemption is historically generous — $15 million per person — but estates grow, laws change, and life insurance counts. Run your numbers.

Your estate — 2026 rules

Gross estate (all assets: home, investments, retirement, business, life insurance you own)

Debts, final expenses & administration

Charitable bequests

Passing to surviving spouse (unlimited marital deduction)

Lifetime taxable gifts already made

2026 federal exemption: $15,000,000 per person ($30,000,000 per married couple with portability). Annual gifts up to $19,000 per recipient don’t count against it.

Estimated federal estate tax

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Covered by your exemption

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Where your estate goes

The estate plan your family will one day depend on.

Wills, trusts, beneficiary designations, gifting strategy, portability — estate planning is where investment management meets legacy. We coordinate all of it with your attorney and CPA.

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HOW IT WORKS & IMPORTANT INFORMATION: Simplified estimate of federal estate tax: gross estate less debts, expenses, charitable and marital deductions, compared to the 2026 federal basic exclusion of $15,000,000 per person (indexed for inflation in later years; $30,000,000 effectively available per married couple with a timely portability election), with amounts above taxed at a simplified flat 40% (actual rates graduate from 18% to 40%, reaching 40% quickly). Excludes state estate and inheritance taxes (Virginia currently has none; Maryland, D.C., and others do at much lower thresholds), generation-skipping transfer tax, valuation discounts, deductions and elections that a qualified estate attorney or CPA would evaluate. Life insurance you own is generally includable in your estate — often a surprise, and often plannable. Exemption amounts reflect current law (OBBBA, 2025) and can change with future legislation. This educational tool is not legal or tax advice. Mountain View Wealth Management, LLC · 2611 S Clark St., Suite 600, Arlington, VA 22202 · (571) 368-6178. © 2026 Mountain View Wealth Management, LLC.