This estimator is a guide only. It does not constitute financial, tax, legal or estate-planning advice, nor a personal recommendation. Inheritance Tax is complex and the right approach depends on your full circumstances — speak to a qualified adviser or solicitor.

Calculations use 2026/27 allowances: a £325,000 nil-rate band and up to £175,000 residence nil-rate band per person, both frozen until April 2030. The residence nil-rate band applies only where a qualifying home passes to direct descendants, is capped at the property value, and is reduced by £1 for every £2 the estate exceeds £2,000,000. Married and civil-partner figures assume unused allowances pass to the survivor and are applied on the second death. The 36% rate assumes at least 10% of the estate is left to charity.

From 6 April 2027, most unused pension funds and death benefits are expected to be included in the estate for Inheritance Tax; the "from April 2027" figure reflects this, the "today's rules" figure excludes the pension. The detailed legislation is still being finalised and may change. This tool ignores lifetime gifts, business and agricultural property relief, trusts, life policies written in trust and other reliefs, all of which can materially change the outcome.

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