BTC To Retire
Bitcoin Inheritance Calculator
Plan your Bitcoin legacy and generational wealth transfer
⚠️ 2026 Federal Estate Tax — TCJA Sunset Update
The TCJA-doubled estate exemption expired on January 1, 2026. The federal estate tax exemption dropped from ~$13.99M to ~$7M per individual (~$14M for married couples). Estates above this threshold face a top federal rate of 40% on the excess. State estate taxes (NY, MA, OR, WA, IL, MN, others) stack on top with their own lower thresholds.
Bitcoin-specific note: heirs receive a step-up in cost basis to fair market value at death, which can wipe out decades of unrealized capital gains for highly-appreciated BTC. Unlike retirement accounts, direct BTC holdings benefit fully from this — a major reason "die with the coins" is a real estate-planning strategy for Bitcoin holders. Multisig inheritance setup (Casa, Unchained, custom) is essential to actually deliver the BTC.
👨👩👧👦 Estate Planning Parameters
Configure your Bitcoin inheritance strategy
Age of estate owner
years
Expected lifespan for planning
years
Total Bitcoin owned
BTC
How many beneficiaries
Expected tax on inheritance
%
Yearly Bitcoin accumulation
BTC/year
Percentage to donate
%
BTC to keep liquid
BTC
Years to lock inheritance
years
📊 Inheritance Analysis
Distribution Breakdown
| Heir # | BTC Amount | Current Value | Value at Unlock | Unlock Year |
|---|
Multi-Generational Impact
Estate Value Projection
Estate Distribution
💡 Estate Planning Recommendations
🔐 Security Best Practices
- • Use multi-signature wallets requiring M-of-N keys for large inheritances
- • Consider time-locked transactions to prevent premature access
- • Store backup keys with trusted third parties or legal representatives
- • Document clear instructions for heirs on accessing Bitcoin safely
- • Consider using inheritance-specific services like Casa or Unchained Capital
- • Regularly update your estate plan as Bitcoin value changes
This calculator is for educational purposes only and doesn't represent financial advice. You might want to consult with financial and tax professionals before making decisions.