Estate Tax Exposure Tool

The federal estate tax only affects estates above $13.61M, but 12 states and DC have their own taxes starting as low as $1M. See your real exposure before assuming you're in the clear.

Your Estate

State of Residence

Estate taxes are assessed in your state of legal domicile at death.

Estimated Total Estate Value

Include all assets: real estate equity, investments, retirement accounts, life insurance death benefit, and business interests.

Filing Status

Single Married

Married couples can often double the effective exemption via portability election or proper planning.

What counts in your estate?

Real estate (at fair market value, not mortgage balance)

Bank accounts, brokerage, and investment accounts

IRAs and 401(k) balances (full value, pre-tax)

Life insurance death benefit (unless held in an ILIT)

Business interests, vehicles, and personal property

This tool provides estimates for planning awareness only. Estate tax liability depends on specific asset types, deductions, prior gifts, and applicable elections. State threshold and rate data reflects 2024 law and may change. Consult a licensed estate planning attorney for precise calculations.

Your Tax Exposure

Select your state to see your exposure.

The state estate tax surprise

Oregon taxes estates above $1M. A paid-off home plus retirement savings can easily cross that line.
Massachusetts and Washington start at $2M, well within reach for many homeowners with retirement accounts.
New York has a "tax cliff" where exceeding the exemption by 5% causes the entire estate to be taxed.
The federal exemption is scheduled to drop from $13.61M to ~$7M after 2025 unless Congress acts.