What is the maximum amount you can inherit tax free?

In 2026, an individual can leave up to $15 million in assets at death without triggering federal estate tax, or $30 million for a married couple using both exemptions. This amount is called the federal estate tax exemption and it covers the total taxable value of what someone passes on at death, not just what one person receives. If the estate stays at or below that exemption, no federal estate tax is owed, so heirs can inherit those amounts without federal estate tax. The exemption is indexed for inflation, so it can change over time, and state estate or inheritance taxes may still apply separately.

Learn more about our Estate Tax appraisals.