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UK Inheritance Tax Calculator

Calculate an illustrative UK inheritance tax estimate with a transparent breakdown of estate value, deductions, allowances, gifts and tax.

Estimate your inheritance tax

Enter an estate’s assets, debts, gifts and family circumstances. This tool provides an illustrative UK IHT estimate using the assumptions shown below.

All amounts are pounds sterling. Values cannot be negative.

Include the home and any other property.

Savings, investments, vehicles and possessions.

Not every liability is deductible; HMRC conditions apply.

Qualifying gifts are deducted and may enable the 36% rate.

Used for the seven-year gift window and taper relief.

Rates and allowances are modelled for the selected year.

Transfers to a spouse/civil partner are generally exempt.

Children, grandchildren and qualifying adopted/foster/stepchildren may count.

The home generally must pass to direct descendants; relief tapers over £2m.

%

Unused percentage of the standard nil-rate band.

Gifts made within the previous seven years

Add each gift separately. PETs can become chargeable if death occurs within seven years. Taper relief reduces the tax attributable to a gift, not the gift value. Gifts older than seven years are excluded.

Not modelled: the £3,000 annual exemption/carry-forward, small gifts, wedding or civil-partnership exemptions, regular gifts from income, and detailed gift-with-reservation rules. Do not subtract these from your entries.

Estimated inheritance tax
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Complete the form to calculate an estimate.

Compare scenarios

Apply a starting scenario, then adjust it.

Assumptions and important information

Tax year shown: 2026/27 · Last updated: 18 August 2026. This model uses a £325,000 nil-rate band, up to £175,000 residence nil-rate band, 40% standard rate and 36% where charitable gifts reach 10%.

The calculator runs locally; inputs are not stored or transmitted by this page. It is not tax or legal advice. Actual HMRC calculations may include other exemptions, reliefs, trusts, valuations and debt rules. Read GOV.UK inheritance tax guidance.

How to use the UK Inheritance Tax Calculator

Use the inputs to model the estate, then review the deductions, allowances, gifts and rate used.

1

Enter your details

Enter assets, deductible debts, charity, family circumstances and the date of death.

2

Check the assumptions

Check the nil-rate bands, residence eligibility, spouse transfer and gift categories.

3

Compare the result

Use the reconciliation and scenario buttons to compare planning assumptions.

Frequently Asked Questions

What does the UK Inheritance Tax Calculator calculate?

It estimates the estate’s inheritance tax from property, other assets, deductible debts, charitable donations, available nil-rate bands, spouse assumptions and separately dated gifts. It is not an HMRC assessment.

Are the results guaranteed?

No. Valuations, ownership, trusts, lifetime gifts, exemptions, reliefs and whether a debt is deductible can change the result.

Can I change the assumptions?

Yes. The scenario buttons provide starting points, and every input can then be adjusted.

Does this replace professional advice?

No. Seek qualified advice for decisions specific to your circumstances.

Are tax rules included?

The tool models the £325,000 standard band, up to £175,000 residence band, 40%/36% rates, spouse assumptions, debts, charity and dated gifts. Rules and thresholds should be checked for the selected tax year.

Why might results vary?

HMRC may apply detailed rules for ownership, lifetime transfers, gifts, reliefs, debts and valuations that this simplified browser calculation cannot verify.

Is my information stored?

No. Calculations run locally in your browser.