Blincoe Financial Planning
Inheritance Tax Estimator
Get an instant estimate of your potential IHT liability. Updated to reflect current thresholds and the April 2027 changes.
Your Estate
Your Circumstances
The home you live in (or intend to leave to direct descendants). Used to calculate the Residence Nil Rate Band.
£
Everything else — savings, investments, second properties, business interests, personal possessions. Do not include your main residence above.
£
Married or in a civil partnership?
Unused nil rate bands can be transferred to your spouse.
Leaving home to direct descendants?
Children, grandchildren, or step-children. Required to claim the Residence Nil Rate Band.
Include pension assets in estate?
From April 2027, unused pension funds will form part of your taxable estate.
Unused pension funds included in the estate from April 2027.
£
Gifts to registered charities are exempt from IHT and can reduce the overall rate to 36% if 10% or more of the net estate is donated.
£
Your estimate
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How we calculated this
Total estate (residence + other assets)
Nil Rate Band
Residence Nil Rate Band
Charitable deduction
Taxable above threshold
IHT rate applied
Estimated IHT liability
Important: This is an estimate only, based on the information you have provided and current HMRC rules including proposed April 2027 changes. It does not constitute financial advice. Your actual liability may differ based on gifts made in the seven years before death, business or agricultural reliefs, trust arrangements, and other factors. Thresholds are frozen until at least 2030. You should seek independent financial advice before making any decisions based on this estimate.
Talk to Blincoe
There may be ways to reduce this.
IHT planning can significantly reduce what your family pays. We can help you understand your options.
Get in touchBlincoe Financial Planning Ltd • Authorised through Sense Network • blincoe.uk