Crypto Inheritance Calculator
Digital assets pass through the same estate math as everything else, with one crypto-specific catch: heirs also need the keys. This handles the arithmetic half.
Results (live)
Estimates only, not financial advice. All math runs in your browser; nothing you type leaves this page.
How it works
taxable = max(estate − exemption, 0)
tax = taxable × rate
Worked example
A $500,000 stack with a $100,000 threshold at 20% owes $80,000, passing $420,000 on. Without a key-handover plan, the effective rate is 100%.
FAQ
What is the biggest crypto inheritance risk?
Lost access, not tax. Exchanges have processes; self-custody needs a deliberate plan (multisig, sealed instructions, or inheritance services).
Is cost basis stepped up at death?
In some jurisdictions heirs receive assets at date-of-death value, erasing unrealized gains. It materially changes planning, so confirm locally.
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Estimates only, not financial, tax or investment advice. Verify numbers against your exchange or a professional before acting.