About CheckMyIHT

The bridge between a Google search and a genuine planning conversation.

More than a calculator

Most inheritance tax calculators give you a number and leave you alone with it. CheckMyIHT starts with the number, then goes substantially further.

It profiles your planning preferences. It segments your estate by financial bracket. It matches you to the strategies most relevant to your position — from a library of eighteen — and sizes each one proportionally to your estate with illustrative savings. Then it generates a personalised, multi-page PDF report you can take away, discuss with your family, or hand to an adviser.

When you are ready, it connects you with a hand-picked IHT specialist who already has your full report before the first conversation.

Calculate. Your estate, your allowances, your estimated liability — in minutes.
Clarify. Your planning profile, matched strategies, and illustrative savings — personalised to your position.
Connect. With a hand-picked specialist who already has your report, or with the guidance and resources to act on your own terms.

Why it exists

The Treasury is on track to collect almost £9 billion in inheritance tax this year — a record for the fifth consecutive year. The nil-rate band has been frozen at £325,000 since 2009. Had it risen with inflation, it would now stand above £520,000. From April 2027, the government has announced plans to include pensions in the taxable estate for the first time — a change not yet confirmed in law, but one that could pull an estimated 50,000 additional families into scope.

And it is accelerating. Government forecasts show inheritance tax receipts reaching £15 billion by 2030 — almost double today's figure. One in ten estates will be liable, up from one in twenty now. Over the next five years, the Treasury expects to collect over £70 billion in inheritance tax alone.

Yet the vast majority of affected families have never spoken to a specialist. The barriers are well documented:

1
They don't know they have a problem
2
They can't quantify it
3
They don't know what to do about it
4
They don't know whom to trust

CheckMyIHT addresses all four — in a single journey.

What makes it different

Specific, not genericNot "you might want to consider trusts." Instead: "A Loan Trust sheltering £120,000 of liquid assets could reduce your liability by approximately £48,000." Every strategy is sized to your estate.
Private by designEvery calculation runs in your browser. Your financial figures are never stored or shared. If you receive your report by email, only your name and email are kept — and automatically deleted after 90 days.
Profiled, not one-size-fits-allSix questions capture how you think about control, gifting, and timing. Your report is shaped by your priorities — not just your numbers.
No pressure. No cost. No catch.The tool is free and always will be. You are never contacted unless you ask to be. There is no upsell and no hidden agenda.

The Planning Guide

Beyond your personalised report, CheckMyIHT publishes a comprehensive Planning Guide — a detailed reference covering every major IHT strategy, with worked examples, edge cases, and practical considerations. The Guide is designed to give you genuine understanding, not just awareness. It is the depth behind every strategy card in your report.

Who built it

Dean Gillam — Founder of CheckMyIHT
Dean Gillam
Founder & Financial Adviser
Chartered financial planner and independent financial adviser specialising in inheritance tax and estate planning. Over fifteen years advising individuals and families on protecting and passing on their wealth.
LinkedIn

Every part of the platform — the calculation engine, the profiling system, the strategy matching, the report template, the Planning Guide — was designed and built by someone who works with these strategies and these clients every day. This is not a marketing exercise dressed up as a tool. It is a serious, advice-adjacent planning experience that respects both the complexity of the subject and the intelligence of the user.

CheckMyIHT does not provide financial advice. It provides something that comes before advice: clarity. A clear, honest starting point for anyone who wants to understand their inheritance tax position and explore what options might be available to them.

What happens next

If after using the calculator you decide you want to explore your options with a qualified professional, we can connect you with an IHT specialist. Every specialist on the platform is hand-picked — personally vetted against strict criteria before they are given access to any enquiry. They receive your full report before the first conversation, so you are not starting from scratch.

There is no obligation, no fee from us, and no pressure. It is simply an option if you want it.

Connect with a Specialist →

Get in touch

If you have a question, a concern, or feedback you would like to share, you can reach us at contact@checkmyiht.com. We read every message.