Tools
Estimate your inheritance tax.
See roughly what your estate could owe today, and how that may change when pensions count from April 2027.
What you'll get
Your estimated inheritance tax bill today
What it could be once pensions count from April 2027
A clear breakdown of how we worked it out
A copy by email to keep, with the assumptions explained
What you'll need
Rough values for your home, savings and pensions. Nothing needs to be exact, and it takes about three minutes.
This estimate is for illustration only and isn't financial, tax or legal advice. It's based on the figures you enter and the rules for the 2026/27 tax year, which can change. The pension changes from 6th April 2027 are included as currently set out by the government.
How it works
What the estimate takes into account.
We use the main allowances and reliefs that apply to most families, then show where your figures land.
Tax-free allowances
Everyone has a £325,000 nil rate band. A further £175,000 residence allowance applies when your home goes to children or grandchildren, and couples can pass on what the first of them doesn't use. The residence allowance shrinks once an estate is worth more than £2 million.
Pensions from April 2027
Most unused pension savings sit outside your estate today. From 6th April 2027 they're due to be included, so we show your estimate both ways.
Business and farm relief
Qualifying business and farm assets get full relief on the first £2.5 million each, and half relief above that. Not every asset qualifies.
Gifts and charity
Large gifts made in the last seven years use up your allowance first. Leaving at least 10% of your estate to charity lowers the rate from 40% to 36%.
Allowances for the 2026/27 tax year. Rules checked on 25th October 2026.
Questions
Common questions.
How accurate is the estimate?
It's a rough guide. It uses your figures and the current rules, but it can't see trusts, earlier planning or how your will is written. An adviser can work out a proper figure with you.
Why does April 2027 matter?
From 6th April 2027, most unused pension funds and death benefits are due to count towards your estate for inheritance tax. For many families with good pension savings, that's the biggest change in years.
Does it work for couples?
Yes. Choose married or civil partnership and enter your figures together. We work out the bill on the second death, which is usually when inheritance tax is paid.
What happens to the details I enter?
Your answers stay in your browser while you use the tool. If you ask for the breakdown, we keep your name, email and answers so we can send it and follow up, and we don't share them with anyone else.
Let's talk
Let's talk about what's next for you.
The first conversation is complimentary, with no obligation to proceed.
