High Net Worth

What an estate freeze actually caps.

Not a tax reduction — a cap. The mechanics are explained here; this quantifies the actual dollar difference between freezing now and letting the business keep growing in your hands.

Current business value (FMV)

Original cost basis (ACB)

Years until it matters (death, or your planning horizon)

Assumed annual growth rate, %

Assumed marginal tax rate at that point, %

Read this before the numbers below: the gap this calculator shows isn't tax eliminated — it's tax capped on your estate and shifted onto the growth shares instead, held by a trust or your next generation. They'll eventually owe tax on that growth too, whenever they dispose of it or the trust's own 21-year clock comes due. What a freeze actually buys: today's value is fixed and known, instead of an ever-larger, ever-more-uncertain number compounding against your estate for as long as you hold the shares.

See your real estate tax picture, not just this one asset.

Try Compoundfork's Estate tab →

Routing the growth shares into a family trust with multiple beneficiaries can shelter a meaningful chunk of that future gain — see how the Lifetime Capital Gains Exemption multiplies across beneficiaries.

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