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SUBUMBER Estate Tax Protection Calculator

Estate Planning Document Repository

Professional Tax Shelter Planning Tools (2024 Tax Year)

Professional Disclaimer: These calculations are for educational purposes only. Consult with a qualified CPA or tax attorney for actual tax planning. View Full Legal Disclaimer

2024 Federal Tax Thresholds

Federal Estate Tax Exemption

$13,610,000

Per person (married couples: $27.22M combined)

Annual Gift Tax Exclusion

$18,000

Per recipient, per year

GST Tax Exemption

$13,610,000

Lifetime generation-skipping exemption

⚠️ Sunset Provision Alert: Current exemptions are scheduled to be reduced by approximately 50% on January 1, 2026, unless extended by Congress.

Estate Tax Calculator

Annual Gift Tax Calculator

Tax Optimization Strategies

Annual Gifting

Maximize $18,000 annual exclusion per recipient

  • Married couples: $36,000 per recipient with gift splitting
  • Direct payments to medical/educational providers: unlimited
  • 529 plan front-loading: 5 years of gifts at once

Charitable Deductions

Unlimited estate tax deduction for qualified charities

  • Charitable Remainder Trusts (CRT)
  • Charitable Lead Trusts (CLT)
  • Direct charitable bequests

Valuation Discounts

Reduce taxable value through legitimate discounts

  • Family Limited Partnerships (FLP)
  • Minority interest discounts
  • Marketability discounts

State-Specific Considerations

Important: Thirteen jurisdictions have separate estate or inheritance taxes with varying exemptions. Some states also have gift taxes. Multi-state planning may be required for optimal tax efficiency.

Domicile Matters: Your state of domicile at death determines which state estate tax applies. Domicile planning can provide significant tax savings.