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Exemption, Taxable Estate & Net to Heirs
Net to Heirs
Taxable estate · Tax Paid: $1,000,000 · Effective Tax Rate: 5.7%
Estate Tax Waterfall
Estate Tax Summary
Taxable Estate
$2,500,000
Tax Paid
$1,000,000
Heir Share
94.3%
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Estate tax planning starts with a clean waterfall: gross estate, allowable deductions, net estate, exemption, taxable estate, tax, and net value to heirs. The IRS explains that U.S. filing thresholds depend on the year of death in its estate tax guidance.
Include property, cash, investments, business interests, insurance proceeds, and other assets at fair-market assumptions.
Debts, administration costs, charitable transfers, marital deductions, and local rules can materially change the taxable estate.
For U.S. federal planning, verify the year-specific exclusion in IRS updates before relying on any default number.
The most useful number is not the gross estate; it is the net value reaching heirs after deductions, exemption, and estimated tax.