Free UK estate planning tool

UK Inheritance Tax Estimator

Get a quick, indicative estimate of the Inheritance Tax an estate might owe under current UK rules. No account is needed.

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Tell us about the estate

Use approximate current market values. Enter 0 where an item does not apply.

1. Assets and liabilities

Home and property

Cash and savings

Investments and pensions in estate

Only include pensions that form part of the estate.

Other assets

Mortgages, debts and eligible costs

2. Gifts and exempt bequests

Chargeable gifts in the last 7 years

After exemptions. Gifts can use the basic nil-rate band first.

Amount left to a spouse or civil partner

Amount left to charity

I have confirmed that the estate qualifies for the reduced 36% charity rate.

3. Available allowances

A qualifying home is being left to children or grandchildren.

Unused basic allowance transferred from a late spouse

Unused residence allowance transferred from a late spouse

Tax is only one part of being prepared

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How this estimate works

The estimator uses a £325,000 basic nil-rate band and a residence nil-rate band of up to £175,000. The residence allowance is limited by the qualifying home value and reduces by £1 for every £2 the net estate exceeds £2 million. Confirmed transferable allowances can increase both bands. The standard rate is 40%; a 36% rate may apply in qualifying charity cases.

Important: this is a simplified educational estimate, not tax or legal advice. It does not fully calculate taper relief on individual gifts, trusts, business or agricultural relief, foreign assets, lifetime exemptions, downsizing relief or every charity-rate rule. Rules can apply differently to individual circumstances. Consider a solicitor, tax adviser or HMRC guidance before acting.

Figures reviewed 20 October 2026. Official sources: Inheritance Tax overview, passing on a home and rules on gifts.

Common questions

What is the UK Inheritance Tax threshold?

The standard nil-rate band is £325,000. A qualifying home left to direct descendants may add up to £175,000, subject to limits and tapering for estates above £2 million.

Can married couples pass on a larger estate tax-free?

Assets left to a spouse or civil partner are generally exempt. Unused percentages of the basic and residence allowances may also be claimed by the survivor's estate, potentially increasing the available thresholds.

Are gifts always free of Inheritance Tax after seven years?

Many outright gifts fall outside the estate after seven years, but exemptions, gifts with reservation, trusts and the order and timing of gifts can change the result. Get professional advice for a reliable calculation.

Privacy by design: all calculations happen on your device. TrustKey does not receive or store the figures you enter on this page.