For a 14k inherited withdrawal in 2026 , the federal tax owed is usually $0 on the inheritance itself ; inherited assets are generally not taxed just because you received them, and federal estate tax only affects very large estates, not a typical payout like this.

What may be taxable

If the 14k came from an inherited IRA or other inherited retirement account , the withdrawal itself is usually treated as ordinary income , so the tax depends on your other 2026 income and filing status. If it came from cash, a bank account, or most non-retirement inherited property, there is typically no federal income tax just for taking it.

Rough tax ranges

  • If it is a non-retirement inheritance: likely $0 federal tax on the withdrawal itself.
  • If it is an inherited IRA withdrawal: the tax could range from a few hundred dollars to several thousand dollars , depending on your total taxable income and bracket in 2026.

Simple example

If you have little or no other income, a 14k inherited IRA withdrawal may land partly in the lower federal brackets, so the tax can be modest. If you already have a steady salary, that same 14k could be taxed at your higher marginal rate because it gets added on top of your other income.

What I need to estimate it

To estimate your federal tax more closely, I need:

  1. Your filing status.
  2. Your other 2026 income.
  3. Whether the inheritance is from an IRA/401(k) or from cash/property.

TL;DR

A 14k inheritance withdrawal is often not taxable federally at all unless it is from an inherited retirement account, in which case the tax depends on your total income in 2026.