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Home / Calculators / State Inheritance & Estate Tax Calculator

State Inheritance & Estate Tax Calculator

While the federal estate tax exemption is substantial ($13.61M in 2024), state-level death taxes catch thousands of unsuspecting American families off guard. Twelve states and Washington D.C. assess state estate taxes with exemptions as low as $1 million in Oregon and $2 million in Massachusetts. Furthermore, six states enforce separate inheritance taxes assessed directly on the beneficiary based on family proximity (in Pennsylvania and New Jersey, siblings, nieces, and non-relatives can owe up to 15% to 16% in taxes). This calculator determines combined state and federal tax exposure and calculates true net distributions.

ESTATE PLANNING & WEALTH SUCCESSION

State Inheritance & Estate Tax Calculator

Determine your estate and inheritance tax exposure across all 50 US states. Analyzes state-level estate taxes, relationship-based inheritance taxes, and the federal estate tax exemption.

Estate & Jurisdiction

$

Net fair market value of real estate, bank accounts, securities, and business equity.

Net Cash Received by Beneficiary
$2,112,000
Retenção total de impostos: $288,000 (12.0%)
Total Tax Liability (State + Federal)
$288,000
12.0% effective combined tax rate
State Statutory Guidance: (Pennsylvania)

Pennsylvania has no estate tax, but assesses Inheritance Tax: Spouse 0%, Children 4.5%, Siblings 12%, Nieces/Friends 15%.

Inheritance & Estate Tax Liability Breakdown

State Estate Tax (Levied on Estate)Not applicable in this state (0%)
$0
State Inheritance Tax (Levied on Heir)Calculated on heir's portion (sibling)
$288,000
Federal Estate Tax (IRS 40%)Federal exemption of $13.61 million (IRS)
$0

How it works

1

Enter the fair market value of the estate or individual inheritance share.

2

Select the US state of domicile or jurisdiction where the underlying real property is located.

3

Select the beneficiary's legal relationship to the deceased to factor in statutory class exemptions.

Frequently asked questions

What is the difference between an Estate Tax and an Inheritance Tax?

An estate tax is levied on the total net fair market value of the deceased individual's estate before any assets are distributed. An inheritance tax is paid directly by the beneficiary who receives the inherited assets, with tax rates determined by the beneficiary's familial relationship to the deceased.

Are surviving spouses exempt from death taxes in the US?

Yes. Under federal tax code and across virtually all states, transfers between married couples (where the surviving spouse is a US citizen) qualify for the unlimited marital deduction and pass completely tax-free.

Which states have an inheritance tax in 2024/2025?

Currently, six states levy an inheritance tax: Pennsylvania, New Jersey, Maryland (which is the only state assessing both an estate tax and an inheritance tax), Nebraska, Kentucky, and Iowa (Iowa's inheritance tax phases out completely by 2025).

Is this tool free?

Yes. The site is supported by ads, so you never pay or need to create an account.

Does it work on mobile?

Yes. The page adapts to your screen and does not require installing any app.