Blincoe Financial Planning
Inheritance Tax Estimator
Get an instant estimate of your potential IHT liability. Results reflect the rules applying from April 2027, including pension assets and the reformed Business and Agricultural Reliefs.
Please note: This calculator applies the rules taking effect from April 2027. This includes unused pension funds forming part of your taxable estate (from April 2027), and the reformed Business and Agricultural Property Relief allowances (from April 2026). Results shown may differ from your current position.
Your Estate
The home you live in (or intend to leave to direct descendants). Used to calculate the Residence Nil Rate Band.
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Everything else — savings, investments, second properties, business interests, and personal possessions. Do not include your main residence above. Also include all pension funds and savings (these will form part of your taxable estate from April 2027 and so should be included here).
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Do any assets qualify for Business or Agricultural Relief?
Qualifying business or agricultural assets receive partial or full relief from IHT under rules applying from April 2026.
Unquoted trading company shares, business partnerships, farmland, etc. The first £2.5m (£5m for couples) qualifies for 100% relief; any excess receives 50% relief.
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AIM shares are not covered by the £2.5m allowance and receive a flat 50% relief only.
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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.
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.
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Please note: This calculator does not account for gifts made in the seven years before death. If this applies to your estate, your actual liability may differ from the figure shown.
Your estimate
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How we calculated this
Total estate (residence + all other assets)
Nil Rate Band
Residence Nil Rate Band
Business / Agricultural Relief deduction
Charitable deduction
Taxable above threshold
IHT rate applied
Estimated IHT liability
Important: This is an estimate only, based on the information you have provided. It reflects rules applying from April 2027, including unused pension funds forming part of the taxable estate and the reformed Business and Agricultural Relief allowances (from April 2026). It does not constitute financial advice. Your actual liability may differ based on gifts made in the seven years before death, trust arrangements, and other factors not captured here. 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