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UK Inheritance Tax Calculator
Estimate your IHT liability with the £325k nil-rate band, £175k residence nil-rate band, spousal transfer, and the £2m taper. 2026-27 thresholds.
Your estate
£
Property + investments + pensions outside the wrapper + everything else.
£
Children, grandchildren, step-children. Unlocks the £175k RNRB.
If yes, up to double the £325k and £175k allowances.
£
Excludes the £3k annual exemption and small-gift exemptions.
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Estimated IHT
£120,000
Effective rate: 15.0% of the estate
Allowances
| Nil-rate band | £325,000 |
| Residence nil-rate band | £175,000 |
| Total tax-free | £500,000 |
| Taxable estate | £300,000 |
Reliefs at a glance
- Standard NRB: £325,000 per person.
- Residence NRB: £175,000 if leaving home to direct descendants. Tapers above £2m estate.
- Spouse transfer: any unused NRB or RNRB transfers to the surviving spouse, potentially doubling them.
- 7-year rule: larger gifts fall outside the estate if you survive 7 years. Taper relief between 3 and 7.
- Rate: 40% on whatever sits above the combined allowances.