Private, client-side calculation

Gift Tax Calculator

Estimate annual exclusion usage, taxable gifts, lifetime exemption impact and possible gift tax using editable assumptions.

STEP 01🎁

Enter the gift details

Add the total gift amount, number of recipients and annual exclusion assumption.

STEP 02🧾

Apply exclusions

The calculator subtracts the per-recipient exclusion from the total gift.

STEP 03📊

Review exemption impact

See the estimated taxable gift, lifetime exemption used and potential tax.

Total Gift

—

before exclusions

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Annual Exclusion

—

combined allowance

🛡️

Taxable Gift

—

after annual exclusion

🧾

Exemption Used

—

lifetime exemption applied

📉

Estimated Tax

—

simplified estimate

💵

Gift Details

Total gift amount

Number of recipients

people

Annual exclusion per recipient

Remaining lifetime exemption

Estimated tax rate on excess

Gift splitting with spouse

Estimated Gift Tax Position

🎁

Enter the gift details and press Calculate

Calculation Breakdown

🧮

Breakdown appears after calculation

Gift Metrics

📊

Metrics appear after calculation

Practical Checklist

Confirm the gift typeCash, property, tuition and medical payments may be treated differently.

Review filing needsA taxable gift can require a return even when no immediate tax is due.

Check spouse splittingGift splitting generally requires both spouses to agree and may require filing.

Document valuationNon-cash gifts may need a defensible fair-market-value appraisal.

What-If Simulator

Gift amount $50,000

Simulated taxable gift—

Simulated exemption used—

Simulated tax—

Move the slider to compare different gift amounts with the same assumptions.

How This Estimate Works

1. Combined exclusionRecipients × exclusion × split factor

2. Taxable giftGift − combined exclusion

3. Exemption usedLower of taxable gift or remaining exemption

4. Estimated taxExcess × selected rate

IMPORTANT

This is a simplified planning model. Actual federal and state rules, exclusions, valuation rules, deductions and tax brackets can differ.

Frequently Asked Questions

Not necessarily. A gift above the annual exclusion may reduce the donor's available lifetime exemption before creating an immediate tax bill. Filing requirements may still apply.

Gift tax is generally associated with the donor rather than the recipient, but special arrangements and exceptions can apply.

Tax thresholds can change by year and jurisdiction. Editable assumptions let you use the figures appropriate to your situation.

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Tax Information Disclaimer

This calculator provides a simplified educational estimate and is not tax, legal or financial advice. Gift-tax rules, exclusions, valuation requirements, filing obligations and state taxes can materially change the result. Consult a qualified tax professional before making or reporting a substantial gift.

Gift Tax Calculator

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