FREE UK INHERITANCE TAX CHECK

Are you at risk of Inheritance Tax?

Get a simple estimate of your potential Inheritance Tax position today, and see how the pension changes from 6 April 2027 could affect your estate.

✓Property, savings and investments included
✓Includes the April 2027 pension changes
✓Takes around 2 minutes
Based on current UK Inheritance Tax thresholds. This is an estimate, not tax advice.
Step 1 of 6 About 2 mins

Who is this calculation for?

Choose the option that best describes you.

Your property

Approximate values are fine.

Your savings, investments & pension

Rough figures are fine. Enter 0 if something does not apply.

A few final checks

These can affect your result.

What planning do you already have?

Three quick questions.

✓ Calculation complete

See your result

Enter your details to reveal your estimated Inheritance Tax position.

£325,000 Current Nil Rate Band
Up to £175,000 Residence Nil Rate Band
40% Standard IHT rate above allowances
6 April 2027 Most unused pensions enter the IHT estate
WHAT WE LOOK AT

A useful estimate without turning it into an HMRC form.

01

Your property

Your home, mortgage and any additional property equity.

02

Your wider estate

Cash, investments, life cover and other significant assets.

03

Your pensions

We compare today's position with the rules applying from April 2027.

04

Your allowances

We consider the main allowances that may apply to your estate.

THE 2027 CHANGE

Your pension could change your Inheritance Tax position.

From 6 April 2027, most unused pension funds and pension death benefits are brought within the deceased member's estate for Inheritance Tax purposes.

We therefore show your estimated position today and your estimated position once the April 2027 pension rules are taken into account.

IMPORTANT

What this calculator can, and cannot, tell you.

This tool provides a simplified estimate for general information. It is not legal, tax, pension or financial advice.

Complex trusts, lifetime gifts, overseas assets, business relief, agricultural relief and some pension arrangements may need a detailed review.