Simple, Transparent Pricing
Free for individuals. Affordable for professionals. The API sells Layer 1 data access — estate tax rates, gift exclusions, state exemptions, and actuarial tables.
Free
Basic estate tax overview
- ✓Wealth transfer strategy
- ✓Standard output
- ✓1 calculation per day
Single Report
Full analysis with PDF report
- ✓Federal exemption calculator
- ✓State estate tax analysis
- ✓Monte Carlo simulation (10K runs)
- ✓Downloadable PDF report
- ✓Email delivery
Report Pack
5 reports with comparison mode
- ✓5 full PDF reports
- ✓Everything in Single Report
- ✓Side-by-side comparison
- ✓Shareable report links
- ✓Save $16 vs buying singles
Developer API
Access Layer 1 domain data directly. Endpoints covering federal estate tax rates, state exemptions, gift tax limits, actuarial tables, and Section 7520 rates.
View API DocumentationFrequently Asked Questions
How are federal estate taxes calculated?
The federal estate tax applies a 40% rate to taxable estates exceeding the lifetime exemption of $13.61 million per individual for 2026. Married couples can shelter up to $27.22 million through portability election. Our optimizer models the interaction between lifetime gift exemptions, annual exclusions, and the unified credit to minimize your total transfer tax burden.
Which states have estate or inheritance taxes?
Currently 12 states and the District of Columbia impose estate taxes, with exemptions ranging from $1 million in Oregon to matching the federal level in Connecticut. Six additional states levy inheritance taxes on beneficiaries. Our analysis covers all state-level obligations including Maryland, which uniquely imposes both estate and inheritance taxes.
What trust strategies does the optimizer evaluate?
Based on your estate size and goals, we recommend among revocable living trusts, irrevocable life insurance trusts, grantor retained annuity trusts, charitable remainder trusts, and generation-skipping trusts. Each recommendation includes projected tax savings and implementation considerations specific to your state of residence.
How does the gifting strategy optimizer work?
We model the annual gift tax exclusion of $18,000 per donee against your total number of beneficiaries to calculate optimal wealth transfer rates. The ten-year projection shows how systematic gifting reduces your taxable estate while keeping you within lifetime exemption limits, factoring in potential future exemption sunsets.