Gift Tax Calculator — 2025 Annual Exclusion

How to use

1. Enter the gift amount per recipient.
2. Set how many recipients you are gifting this year.
3. Tick the box if spouses are splitting gifts.
4. Add lifetime taxable gifts already reported on Form 709.
5. Calculate to see tax due and exemption remaining.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Most gifts never owe tax: in 2025 you can give $19,000 to each recipient each year — $38,000 per recipient if spouses elect gift-splitting — before anything is even reportable. This calculator applies that annual exclusion per person, totals what is taxable, and stacks it on lifetime taxable gifts you have already made, because gift and estate tax share one $13.99 million exemption. Tax on cumulative gifts uses the same IRC Section 2001 schedule the estate tax uses, topping out at 40%, so the panel shows cash tax due now (usually zero), exemption remaining and whether Form 709 must be filed. Handy reminders are built in: the giver pays the tax, recipients owe no income tax on gifts, and tuition or medical bills paid directly to providers are unlimited. It is an educational estimate, not professional advice — all math stays on this page.

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