Estate Distribution Calculator: Net Estate and Each Beneficiary's Share
Enter the estate's assets, its debts and closing expenses, and each beneficiary's share. Get the net estate available, a check that the shares add to 100%, and the dollar amount each beneficiary is owed.
Free · no signup · runs in your browser — nothing you type leaves your device.
Assets
Everything the estate owns. Sample figures are filled in — replace them with the real inventory.
Debts & closing expenses
Paid before anyone is distributed a share: mortgage payoff, funeral, final bills, attorney and court costs.
Beneficiaries
Each beneficiary's share of what is left, by percent. Specific gifts of named items are not handled here — see the FAQ.
Where the estate stands
- Gross estate
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- Total debts & expenses
- —
- Net estate available
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- Share check
Each beneficiary's dollar share
Keep it, don't recalculate it
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How the calculator works
It uses the same arithmetic an executor does by hand, once the asset and debt figures from the estate's own records are in.
- Gross estate is the sum of every asset entered. With the sample figures — a house at $310,000, a brokerage account at $84,500, checking at $12,300, and a car at $9,800 — the gross estate is $416,600.
- Total debts and closing expenses is the sum of every debt and expense row. Sample: a $142,000 mortgage payoff, a $9,400 funeral, $3,150 in final medical bills, and $6,500 in attorney and court costs, for $161,050.
- Net estate available is the gross estate minus total debts and expenses: $416,600 − $161,050 = $255,550. That is the figure that actually gets split among beneficiaries.
- Each beneficiary's dollar share is the net estate times their percent. With three children at 40% / 30% / 30%, the split is $102,220 / $76,665 / $76,665 — and the three add back up to $255,550. Dollar shares are rounded to the nearest dollar, and any rounding difference is absorbed by the largest share so the column always adds to the printed total.
What it deliberately leaves out
This calculator does not handle specific gifts or bequests — a will that leaves a named item or a fixed dollar amount to a particular person, before the residue is split by percentage. If your will has specific gifts, subtract their value from the estate first and run only the remainder through here. It also does not know your state's probate rules, does not calculate executor fees, and does not file anything. When debts exceed assets, it stops and tells you the estate is insolvent rather than guessing at a creditor priority order — that order, and everything else about what the will and your state's law actually require, is a question for your attorney.
Reading the share check
Beneficiary percentages should add to exactly 100% — that is what the will or your state's intestacy rules assign. If your entries total more or less than 100%, the calculator warns you plainly and will not suggest dollar amounts until it is fixed.
Questions
- What counts as the "net estate available" for distribution?
- Everything the estate owns (the gross estate) minus everything it owes before beneficiaries are paid — the mortgage payoff, funeral costs, final medical bills, and attorney or court costs. What is left is what actually gets split among beneficiaries.
- Does this handle specific gifts or bequests, like "my watch to my son"?
- No. Specific gifts of named items are out of scope for this calculator — it only splits the remaining estate by percentage share. If the will names specific items or dollar amounts for specific people, subtract those from the estate first and run only the remainder through this tool, or ask your attorney how they interact with the residuary shares.
- What if the beneficiary shares don’t add up to 100%?
- The calculator warns you clearly and will not show a clean split until the shares total 100%. The will or your state’s intestacy rules set the actual percentages — this tool just does the arithmetic once you know what they are.
- What happens if debts and expenses are more than the assets?
- The calculator flags the estate as insolvent and will not suggest a distribution. When debts exceed assets, there is a legal order in which creditors get paid before any beneficiary does, and that order is decided by your attorney and the probate court, not by this page.
- Does anything I type get saved or sent anywhere?
- No. The calculator runs entirely in your browser and stores nothing. Close the tab and it is gone.
How to manage an estate as executor, step by step · Estate Executor OS, Interactive Probate Dashboard, Asset Inventory, Account Closure Tracker, Probate Deadline Auto-Calculator · All free tools