Lifetime Gift & Estate Tax Planning Calculator
Plan strategic lifetime gifts to minimize estate tax liability and maximize wealth transfer
Annual Gift Exclusion: $19,000 per recipient per year
Estate Information
Current Estate Profile
Affects marital deduction
For gifts to grandchildren
Add Gift Scenario
Ready to Plan?
Add your estate information and gift scenarios, then click "Calculate" to see your gift planning analysis.
Disclaimer: This calculator provides estimates for educational purposes only using current federal gift and estate tax laws under OBBBA. Actual tax liability may vary based on asset valuation, timing of gifts, and complex estate planning strategies. Gift tax returns may be required for gifts exceeding annual exclusion limits. Consult with qualified estate planning professionals for personalized gift planning advice.
Understanding Lifetime Gift Planning
Making gifts during your lifetime, rather than waiting to transfer wealth at death, can meaningfully reduce estate tax — especially for high-growth assets, since any appreciation after the gift happens outside your taxable estate entirely. Between the annual gift exclusion and the large unified lifetime exemption, there's substantial room to transfer wealth tax-efficiently.
This calculator models several gift scenarios at once — annual gifting programs, one-time lump sums, and charitable gifts — showing exactly how much of your lifetime exemption each uses and the resulting projected estate tax savings.
How This Calculator Works
Enter your current estate value, expected growth rate, projection period, and any lifetime exemption already used, then add one or more gift scenarios. The calculator applies the annual exclusion to each scenario, tracks how much of your lifetime exemption the excess uses, projects the estate-value reduction from removing gifted assets (and their future growth) from your estate, and compares projected estate tax with and without the gifting strategy.