MyPlanner Beta: Estate Planning

Total Estate Value (all assets)

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⚙️ Advanced Assumptions

Expected Nominal Return: 7%

Expected Inflation: 3%

Safe Withdrawal Rate: 4%

2% Very Conservative7% Aggressive

Higher rate = more annual income but greater risk of depletion.

Income Growth Rate: 2%

0% No Growth5% Fast Growth

Annual increase in household income until retirement.

Calculate Estate Impact

Estate Summary

Inputs: Total gross estate value, marital status, will/trust type, beneficiary count, state of residence, funeral costs, and debts.

Outputs: Federal estate tax (using progressive brackets on the amount above the 2025 exemption of $13.99M per individual), state estate tax where applicable, total deductions, and net amount passed to heirs.

How to use: If your estate is under the federal exemption, federal tax is not a concern. Check state-level exemptions (MA, OR, WA, NY, etc. have much lower thresholds). A trust can help avoid probate and reduce state tax exposure. Update your beneficiary designations regularly.

Note: Amounts use 2025 exemption levels indexed for inflation. Federal estate tax uses progressive brackets: 18% on first $10k over exemption, graduated 20-34% on $10k-$500k, 37% on $500k-$1M, 39% on $1M-$3M, 40% over $3M. For estates over $13.99M, GSTT (Generation-Skipping Transfer Tax) considerations may apply — consult an estate attorney.