Bitcoin Inheritance & Estate Tax Calculator
Calculate step-up basis savings, federal and state estate taxes, and capital gains on inherited Bitcoin. Free, private, and accurate.
Ready to Calculate
Enter your inheritance details to see step-up basis savings, estate tax exposure, and capital gains estimates
Bitcoin Inheritance Tax Calculator
Understand step-up basis rules, estimate capital gains, and check estate tax exposure — all in one free tool.
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01
Enter Inheritance Details
Enter the inherited BTC amount and the fair market value on the date of death — your new stepped-up cost basis.
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02
Understand the Step-Up Basis
Your cost basis resets to the date-of-death value — eliminating decades of unrealized gains from your tax liability.
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03
Review Capital Gains Impact
Compare estimated capital gains tax with vs. without the stepped-up basis side by side.
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04
Check Estate Tax Exposure
Federal exemption is $13.61M — 13 states + DC apply separate estate taxes with much lower thresholds.
Frequently Asked Questions
Common questions about inherited Bitcoin taxation and estate planning.
Sources & Methodology
U.S. federal estate tax is computed using the 2024 unified credit ($13.61M lifetime exemption per individual) and the 40% top marginal rate on the taxable estate. Bitcoin held at death receives a stepped-up cost basis to fair market value, eliminating embedded capital gains for heirs. State-level inheritance tax is layered on top using each state's bracket table. The calculator separates the gross estate, exemption, taxable estate, and net inheritance after federal + state liabilities.
- IRS Estate Tax — Form 706 instructions — U.S. Internal Revenue Service
- IRC § 1014 — Stepped-up basis at death — Cornell LII
- Tax Foundation — Estate, Inheritance & Gift Taxes — Tax Foundation
Disclaimer: Estate tax law is highly state-specific and changes frequently. The 2026 federal exemption is scheduled to sunset back to ~$7M absent Congressional action. Always consult an estate planning attorney before relying on these estimates.
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Disclaimer
This calculator is for educational and estimation purposes only. Estate and inheritance tax laws are complex, vary by jurisdiction, and change frequently. Results do not account for all possible deductions, credits, or trust structures. Always consult with a qualified estate planning attorney or CPA for personalized tax advice.