UK Inheritance Tax Calculator

Estimate your potential IHT liability based on current UK tax rules.

1. Assets & Estate

Your primary home value.
Buy-to-lets, holiday homes, etc.
Cash, ISAs, shares, and bonds.
Taxable from April 2027 (included in this estimate).
Vehicles, jewellery, and other personal items.
Qualifying BPR/APR assets. £1m allowance (per person) from 2026.

2. Deductions & Status

Mortgages, loans, and funeral expenses.
Donating 10%+ can reduce your tax rate to 36%.
Partners can often share/transfer allowances.

Calculation Summary

Gross Estate Value £0
Business/Agri Relief £0
Total Deductions £0
Net Taxable Estate £0
Nil-Rate Band (NRB) £0
Residence NRB (RNRB) £0
Estimated IHT Due £0

Note: This is an estimate based on current UK thresholds (frozen until 2030). Calculations include proposed 2026/27 changes to pensions and BPR/APR. This does not constitute financial advice.

How to Use This Calculator

  1. Enter the value of your main residence
  2. Include any other properties you own
  3. Add savings, investments, and pensions (note: pensions are included in the taxable estate from April 2027)
  4. Include any other assets (note: Business/Agricultural Relief is capped at £1 million per person from April 2026)
  5. Deduct any applicable reliefs (charitable donations, spouse exemption)
  6. Click “Calculate” to see your estimated inheritance tax liability

Current Thresholds (Frozen until April 2030)

  • Nil-Rate Band: £325,000
  • Residence Nil-Rate Band: £175,000 (when leaving main home to direct descendants)
  • Tax Rate: 40% on amounts above these thresholds (or 36% if 10% or more is left to charity)

Note: This calculator provides estimates only. For professional advice, please consult a qualified tax specialist.