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Home›Calculators›Inheritance Tax
🎯 Inheritance Tax Estimator

Inheritance Tax Estimator

Estimate the potential inheritance tax on your estate. Includes nil-rate band, residence nil-rate band, spouse/civil partner doubling and charity relief.

← All Calculators Get IHT Planning Advice →

🎯 Inheritance Tax Estimator

⚠️ IHT is highly complex. This provides a very rough estimate only. Individual circumstances vary significantly. Always seek specialist advice.
⚠️ Important Disclaimer — Please Read Carefully This calculator provides rough estimates for illustrative and general information purposes only. It is not tax advice and must not be relied upon when making any financial, tax or investment decisions. The calculations use simplified assumptions and may not reflect your actual tax liability.

Tax rules are highly complex and your individual circumstances — including sources of income, available reliefs, allowances, residency status, domicile, prior year losses and many other factors — will affect the actual tax due. Rates and thresholds shown are for the selected tax year based on information available at the time of publication and may have changed. The Tax Lead Limited accepts no liability for any loss arising from use of this calculator.

Always seek professional tax advice before making any decisions. Book a Free Discovery Call with our Chartered Certified Accountants and Chartered Tax Advisers — we’ll give you a precise, personalised assessment of your tax position.

Estimated IHT Due — 2026/27

£0
Nil Rate Band Available
Residence NRB (RNRB) Used
Charity Deduction
Taxable Estate
IHT Rate Applied40%
Effective IHT Rate
Estimated Estate Received by Heirs

📋 IHT Thresholds 2026/27

  • Nil Rate Band: £325,000 (frozen)
  • Residence NRB: £175,000 (property to direct descendants)
  • Combined max (single): £500,000
  • Combined max (surviving spouse): £1,000,000
  • IHT rate: 40% (or 36% if ≥10% to charity)

⚠️ April 2026 BPR/APR Changes

From 6 April 2026, Business Property Relief and Agricultural Property Relief are restricted. The 100% relief is capped at £1 million; assets above this attract 50% relief only. This significantly affects estate planning for business owners and farmers.

💡 IHT Planning Opportunities

Lifetime gifting, pension planning, trusts, Family Investment Companies and charitable giving can all significantly reduce IHT exposure. book a free discovery call for personalised advice.

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Your Estate Plan Deserves a Conversation

IHT calculations show the exposure, but the real value is in the planning — gifts, trusts, BPR/APR, life insurance written into trust, family investment companies. Book a confidential discovery call.

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IHT and Estate Planning

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UK Inheritance Tax Guide 2026/27

NRB, BPR cap change, pension IHT from April 2027 and planning moves.

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Property is often the largest IHT asset — incorporation and IHT planning.

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  • Residential Property Tax
  • Commercial Property Tax
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  • Prop Trading & LLPs
  • Crypto Tax
  • Personal Tax

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