Tools for Heirs and Beneficiaries

For the person receiving an inheritance: whether your state taxes the estate or the inheritance and at what threshold, the step-up in basis on inherited property, inherited IRA withdrawals, and who inherits when there is no will.

All Planning ahead Settling an estate

8 tools

Who Inherits Without a Will?

Find out who inherits your estate and how much they get if you die without a will.

Check the Rules

How Much Are Estate & Inheritance Taxes?

Calculate federal estate tax, state estate tax, and inheritance tax for an estate.

Calculate the Tax

How Much Is the Federal Gift Tax?

Whether a gift owes federal gift tax, how much of the annual exclusion and lifetime exemption it uses, and whether Form 709 is due.

Calculate the Tax

What Taxes Apply to My Inheritance?

Inheritance tax by state, federal tax on inheritance, and timeline estimates for receiving money, property, or retirement assets.

Calculate the Tax

How Does Step-Up in Basis Work?

Calculate the new cost basis on inherited assets under IRC § 1014 and project capital gains tax savings.

Calculate the Tax

When Do I Have to Withdraw an Inherited IRA?

See which federal withdrawal rules apply to an inherited IRA, Roth IRA, or employer plan, the deadline year, and the missed-withdrawal tax.

Check the Rules

How Much Do I Have to Withdraw From an Inherited IRA This Year?

The required minimum distribution on an inherited IRA, Roth IRA, or 401(k), from the prior year-end balance and the life expectancy table.

Calculate the Amount

Do I Have to File Tax Returns for Someone Who Died?

Find out which tax returns need to be filed after someone dies and whether tax clearance is required.

Get the Answer

The Estate and Inheritance Tax Calculator applies the federal exemption and your state's estate or inheritance tax, including the rates that vary by the beneficiary's relationship to the person who died, to an estate of a given size.

The Inheritance Tax Guide covers which taxes reach what you receive: inheritance tax in the states that have one, income tax on distributions from inherited retirement accounts, and capital gains on inherited property sold after death.

The Step-Up Basis Calculator resets the cost basis of inherited property to its value at death and shows the capital gain on a later sale, including the community property treatment that applies in some states.

The Inherited IRA Withdrawal Rules tool shows the federal timeline for an inherited IRA, Roth IRA, or 401(k) based on the beneficiary's relationship to the account owner, including the ten year rule and the exceptions to it.

The Who Inherits Calculator applies your state's intestate succession order to the surviving spouse, children, parents, and other relatives and shows each person's share of the estate.

Tools for Heirs and Beneficiaries

Estate taxes are paid by the estate before anything is distributed; inheritance taxes are paid by the person who receives the property. In 2026 the federal estate tax reaches only estates above $15 million per person, and there is no federal inheritance tax. 12 states plus the District of Columbia levy their own estate tax at lower thresholds, and 5 states levy an inheritance tax whose rate depends on the beneficiary's relationship to the person who died.

Most families owe neither. The taxes that reach an ordinary inheritance are income taxes: withdrawals from an inherited IRA or 401(k) on a federal timeline that depends on the beneficiary, and capital gains on property sold above its stepped-up basis, its value at death. The Estate and Inheritance Tax Calculator answers the first question; the Step-Up Basis, Inherited IRA, and Post-Death Tax Filing tools cover the rest, and the Who Inherits Calculator covers who receives the estate when there is no will.