Pennsylvania Inheritance Tax Calculator
Estimate the inheritance tax on an estate based on beneficiary relationships. Instant results — no email required.
Estimate Your Inheritance Tax
Enter the estimated value of assets passing to each type of beneficiary. The calculator applies Pennsylvania's current inheritance tax rates automatically.
This calculator provides estimates only and does not constitute legal or tax advice. Actual inheritance tax liability depends on asset classifications, exemptions, deductions, and other factors specific to each estate. Pennsylvania inheritance tax is governed by 72 P.S. § 9101 et seq. Consult an attorney before making tax or estate planning decisions.
Common Questions About Pennsylvania Inheritance Tax
When is Pennsylvania inheritance tax due?
The tax is due within nine months of the date of death. If paid within three months, Pennsylvania allows a 5% discount on the amount paid — a meaningful savings on larger estates.
Are IRAs and 401(k)s subject to Pennsylvania inheritance tax?
Yes. Retirement accounts are generally subject to Pennsylvania inheritance tax, even though they pass directly to named beneficiaries and avoid probate. This surprises many families — a named beneficiary on an IRA does not exempt it from inheritance tax.
What about joint accounts?
The treatment of jointly held assets depends on the nature of the joint ownership. Accounts held jointly with right of survivorship are generally subject to inheritance tax on the decedent's proportionate share. Spousal joint accounts are typically exempt.
Can inheritance tax be reduced through estate planning?
Yes. Strategic planning — including titling, beneficiary designations, and gifting — can reduce or eliminate Pennsylvania inheritance tax for certain beneficiaries. The time to plan is before death, not after. We help clients structure their estates to minimize the tax burden on their heirs.
Is there a Pennsylvania estate tax in addition to inheritance tax?
No. Pennsylvania does not have a separate estate tax. The inheritance tax is the primary death tax in Pennsylvania, assessed against the beneficiary's share rather than the estate as a whole. There is also a federal estate tax, but it applies only to estates above the federal exemption amount (over $13 million per person as of 2024).