Loading page
Send this to somebody
Nothing you typed goes with it. Just the tool and the link.
The short answer
Most estates owe zero federal estate tax: the exemption is $15 million per person for deaths in 2026, and only the amount above the line gets taxed. Some states set far lower thresholds, which is where ordinary families get surprised. The calculator below screens your numbers against the federal line and your state's.
Reviewed August 2026 · A dozen-plus states levy their own estate or inheritance tax with lower thresholds. · Sources: Internal Revenue Service
Your state's estate tax rules →Probate, explained in plain words →
Before you start
Estimate potential federal and state estate or inheritance tax exposure using the dated figures in MORTL’s source set. Confirm current law before acting. Most estates owe nothing. Some do, and the line moves depending on where you live. This is a screen, not a tax return. If it puts you anywhere near the threshold, that’s your cue to call somebody who does this for a living.
Check your state guide →Premium Tool
Enter what you own and where you live. The tool checks your estate against the 2026 federal exemption and your state's estate or inheritance tax, then builds a one-page snapshot you can print or hand to your attorney. Once you have Premium, your work saves in this browser first and syncs to your account.
A planning estimate, not tax or legal advice.