How this calculator works
Gifts up to the annual exclusion per recipient ($19,000 in 2026, or $38,000 when spouses split gifts) are tax-free and don't need reporting. Anything above it counts against your lifetime exemption and requires Form 709. Tax is only owed, at 40%, once total lifetime taxable gifts exceed the exemption.
Worked example
With the example values below: Gift tax owed, $0 ($41,000 counts against your lifetime exemption). Change any number above to run your own.
What you enter
| Input | Example |
|---|---|
| Gift amount per recipient | $60,000 |
| Number of recipients | 1 |
| Split with spouse? | No |
| Lifetime exemption already used | $0 |
Grow what this calculator projects.
TruthSayer AI sends quantitative stock signals across valuations, earnings and dark-pool activity, each one traded in its own funded account first.
Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.