Worth Shield Financial Services · Personal planning estimate
Estate Growth Projection
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Estate Calculator
Projected Estate Value Over Time
Compare asset growth and estate tax with known 2025–2026 exclusions and clearly labeled future assumptions.
One U.S.-citizen or resident decedent, not combined couple wealth. Enter only verified estate inclusions and deductions. This illustration assumes no gift tax payable, historical credit adjustment, restored exclusion, QDOT, GST, special valuation or treaty issue. It is not a Form 706 return, a liquidity forecast or a filing determination. Federal tax is paid from the residual for other heirs, not from marital or charitable transfers. Asset ownership, deduction eligibility, portability and tax apportionment require professional review.
Asset Growth Assumptions
Each asset grows independently at a constant nominal annual return. Use zero for fixed death benefits. All values must be includible in this one decedent’s estate; no market, ownership or liquidity prediction is made.
Future growth defaults to 0% as a conservative illustration, not a statutory freeze. For 2027 onward it compounds from the known 2026 $15 million amount; it is not the IRS inflation calculation. DSUE is not inflated. No assumed growth applies to the known 2025–2026 step.
Fixed Nominal Transfers and Exclusions
Marriage does not automatically halve an estate or double its exemption. DSUE is a verified inherited exclusion, not a deduction or a newly calculated portability election. Lifetime gifts must exclude property already included in this gross estate. State tax is a verified dollar estimate, not a universal rate or threshold; only the entered eligible portion is deducted federally.
Understanding Estate Growth
A $20 million asset growing at 5% becomes $22.05 million after two years. Holding the basic exclusion at an assumed $15 million, without debts, qualifying bequests, DSUE or gifts, gives $2.82 million of modeled federal estate tax. With a 2% assumed exclusion increase from 2026, the illustrative 2028 basic exclusion is $15.606 million and tax is $2.5776 million. Neither future return nor future exclusion is guaranteed.
How This Calculator Works
Each annual snapshot compounds the entered assets, subtracts fixed qualified deductions and runs the same verified estate-tax engine as the estate estimator. The table distinguishes known limits from assumptions. No invented trust-strategy savings, automatic marital deduction or state threshold is applied.
IRS estate-tax exclusions, deductions and portabilityReview Your Estate Planning Assumptions
Review ownership, legal deductions, gift records, portability and distribution provisions with qualified professionals before acting on an illustration.
Frequently Asked Questions
No. The known basic exclusions are $13,990,000 for 2025 and $15,000,000 for 2026. For 2027 and later, this model applies your assumed annual growth to the 2026 amount. This is not the IRS indexing formula or a published future limit. DSUE remains fixed.
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