How much will inheritance tax cost your family?

Estimate your liability. Understand what you could do about it. And if you want to act, connect with a hand-picked specialist.

Calculate

Your estate, your allowances, your estimated tax bill.

3 minutes

Clarify

Your planning profile and the strategies matched to your position.

2 minutes

Connect

Your personalised report — and a specialist if you want one.

Instant

Calculate Your Estimate

No login required · Under 5 minutes

£325k

Tax-free threshold
frozen since 2009

40%

Rate on
everything above

2027

Pensions enter
the estate from April

✓ Confidential ✓ Your figures stay on your device ✓ 2025/26 rules

More families are being caught every year

Inheritance tax was once a concern reserved for the very wealthy. That is no longer the case. Frozen thresholds and rising asset values are pulling more estates above the tax-free limit every year — and the trend is accelerating.

Allowances frozen for 17 years

The nil-rate band has been £325,000 since 2009. The government has confirmed it will remain frozen until at least 2030.

Property values up over 70%

HMRC collected a record £8.25 billion in inheritance tax last year. More estates are being caught by frozen thresholds and rising asset values.

Pensions into scope from April 2027

For many families, this single change will push an otherwise manageable estate above the threshold for the first time.

1 in 10 estates liable by 2030

The Office for Budget Responsibility estimates annual receipts will reach £14.5 billion by 2030 — a 67% increase in five years.

Check my position →

Three stages. Under five minutes.

Calculate

Enter your assets, debts, and allowances. The calculator models your estate against current HMRC rules — including the 2026 Business Relief changes and the April 2027 pension inclusion — and shows your estimated inheritance tax liability.

Clarify

Six questions build your planning profile. The engine matches strategies to your estate and profile, sizes each one proportionally, and delivers a personalised report showing what each strategy could achieve — with illustrative figures specific to your circumstances.

Connect

When you are ready to act, we match you with a hand-picked inheritance tax specialist who already has your report and understands your position. No cold start. No repeating yourself. One conversation that picks up where the report leaves off.

Calculate Your Estimate

The part that matters most

Not just any adviser

Most people looking into inheritance tax planning face the same problem: where do you start? Who do you trust? How do you know they specialise in this area?

Specialists on the CheckMyIHT panel are individually assessed on qualifications, specialisation in estate planning, and regulatory standing. We work with a small number of advisers across the UK, selected on merit — not volume.

When you connect, your specialist already has your report. They understand your estate, your profile, and the strategies identified. The conversation starts where it should — not from scratch.

Assessed On Merit No Cost Initial Call No Obligation IHT Specialists

Connect with a Specialist →

Built for Clarity, Not for Pressure

Your finances stay private

Every figure you enter is processed in your browser and never stored. If you request a report, only your name and email are kept — and automatically deleted after 90 days.

No sales pitch

The tool is educational. You receive your full results before anything is asked of you commercially.

17 strategies, 5 profiles

Not a generic list. The engine profiles your situation and matches relevant strategies proportionally, sized to your estate.

Built by professionals

Designed by qualified financial planning professionals. Verified against HMRC rules and industry models. 2025/26 tax year.