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Calcimator

Financial Legacy Calculator

Project estate value, estimate estate taxes, and evaluate gifting strategies for inheritance planning.

Inputs

%

Results

Projected estate value ($)

$4,452,909.00

≈ 11 average U.S. homes

Estimated estate tax ($)$0.00
Net inheritance ($)$4,452,909.00
Lifetime gifting capacity ($)$570,000.00
Tax savings from gifting ($)$0.00
Effective estate tax rate (%)0%

Figures current as of 2026. Sources: IRS Rev. Proc. 2025-32 (OBBBA basic exclusion), IRS Rev. Proc. 2025-32

How to Use This Calculator
  1. Enter your current net worth and expected annual savings going forward.
  2. Set the number of years in the projection and your expected annual investment return.
  3. Enter the current federal estate tax exemption (2026: $15,000,000).
  4. Review the projected estate value, estimated estate tax, and net inheritance to heirs.
  5. Use the annual gifting capacity to understand how gifting $19,000 per recipient per year can reduce estate taxes.

How the result changes with Years in projection

Years in projectionProjected estate value ($)
6.9$919,692.00
22$2,669,615.00
39$7,752,923.00
54$19,045,850.00

What each input means

Current net worth ($)
Total assets minus liabilities.
Annual savings ($)
Expected annual addition to net worth.
Years in projection
Number of years to project forward.
Annual return (%)
Expected average annual investment return.
Estate tax exemption ($)
Federal estate tax exemption (2026: $15,000,000).

What each result means

Projected estate value ($)
Total projected estate value.
Estimated estate tax ($)
Federal estate tax at 40% above exemption.
Net inheritance ($)
Estate value after taxes.
Lifetime gifting capacity ($)
Total annual exclusion gifts possible.
Tax savings from gifting ($)
Estate tax reduction through annual gifting.
Effective estate tax rate (%)
Estate tax as percentage of total estate.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Current net worth ($) = 500000, Annual savings ($) = 20000, Years in projection = 30, Annual return (%) = 6 = 5 input(s) provided
  2. Calculate Projected estate value
    Projected estate value = round(currentFV + savingsFV)
    4452909 = $4,452,909
  3. Calculate Estimated estate tax
    Estimated estate tax
    0 = $0
  4. Calculate Net inheritance
    Net inheritance = totalEstate - estimatedEstateTax
    4452909 = $4,452,909

Figures and sources

Engine last updated . Checked against 1 independently-derived test — how we verify calculators.

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