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Gift Tax Calculator 2026: Annual Exclusion & Form 709

Check a 2026 gift against the $19,000 IRS annual exclusion: the taxable gift, whether you must file Form 709 and how much lifetime exclusion is left.

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Good to know: Scope: US federal gift tax for gifts made in calendar year 2026 by a U.S. citizen or resident, in US dollars: the $19,000 annual exclusion per person ($38,000 when you and your spouse split gifts), the $194,000 annual exclusion for gifts to a spouse who is not a U.S. citizen, tuition and medical bills paid straight to the school or provider (not taxable gifts), the unlimited break for gifts to a U.S.-citizen spouse, whether you must file Form 709 (due April 15, 2027), and how much of the $15,000,000 2026 basic exclusion amount (the lifetime exclusion) is left after your taxable gifts. Not included: the actual gift tax once your lifetime exclusion is used up (use Form 709 or a tax professional), the generation-skipping transfer (GST) tax, gifts to charities and political organizations, 529 plan five-year election, QTIP and terminable-interest gifts, valuing non-cash property, and state gift or inheritance taxes. Gifts you make to the same person during the year are added together. Everything stays in this browser tab; nothing is sent or saved. Independent ToolsKo estimate, not tax advice. Sources reviewed November 12, 2026.

How to use it (step by step)

  1. 1Pick who is giving (just you, or you and your spouse splitting the gift) and who gets it (anyone else, your U.S.-citizen spouse, or a spouse who is not a U.S. citizen).
  2. 2Enter the total cash or property you give that person in 2026, plus any tuition or medical bills you paid straight to the school or doctor. If several people each get the same amount, enter how many.
  3. 3Read how much is tax-free, the taxable gift, whether you need to file Form 709 and how much lifetime exclusion you have left. Gift tax is usually $0 until the lifetime exclusion is used up.

Words to know

Annual exclusion
The amount you can give each person every year with no gift tax and no paperwork: $19,000 per person in 2026. It resets every January 1.
Lifetime exclusion (basic exclusion amount)
A much bigger amount, $15,000,000 in 2026, that taxable gifts (the part over the annual exclusion) are counted against. You pay gift tax only after it is used up.
Gift splitting
When a married couple agrees to treat a gift from one of them as given half by each, so the gift can use both annual exclusions ($38,000 per person). Both spouses must file Form 709.
Form 709
The IRS gift tax return. You file it by April 15 of the next year to report taxable gifts, even when no tax is due.

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Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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