Estimate what your heirs actually receive given different Bitcoin custody structures and estate tax assumptions. The calculator models federal estate tax (40% above the exemption), optional state estate tax (up to ~16% in high-tax states), and a structural accessibility adjustment that captures the probability-weighted impact of custody choices on what heirs can actually access.
Trust-wrapped custody with deep trust integration delivers the most predictable inheritance outcome, particularly for HNW estates with multiple beneficiaries and complex distribution requirements.
Heuristic, not legal or tax advice. The accessibility adjustments reflect representative outcomes for each custody structure, not specific probabilities. Actual inheritance outcomes depend on the holder's specific estate plan, beneficiary designations, and the technical capability of heirs.
Federal estate tax exemption is approximately $13,600,000 per individual in 2026 (subject to inflation adjustments). The exemption may be reduced after 2025 if the Tax Cuts and Jobs Act provisions expire. State estate tax varies; high-tax states include Washington, Massachusetts, Oregon, and others with rates up to roughly 16-20%.
Inheritance-focused planning should be coordinated with an estate attorney and tax professional. See Best Bitcoin IRA for Inheritance Planning for provider-side considerations.