IHT Calculator

Inheritance Tax calculated in three easy steps

Estate valuation (non-BR assets)

Estimate the value of your client’s estate using the fields below.

Main home, other properties and cash

Primary residence value (£)*:

Other investment property (£)*:

Cash value (£)*:

Investments

Pension value (unused DC) (£):

GIA (non-BR) (£):

ISA (non-BR) (£):

Other assets

Trusts in estate (£):

Foreign assets (£):

Gifts value (last seven years) (£):

Debts and liabilities

Estimate the value of your client’s liabilities using the fields below.

Mortgage(s) (£)*:

Other loans and debts (£)*:

Estate valuation (non-BR assets)

Estimate the value of your client’s estate using the fields below.

Total value of assets (£):

1,000,000

Total value of liabilities (£):

1,000,000

Sum of estate (£):

1,000,000

Reliefs and allowances

Apply the relevant IHT reliefs and allowances to reduce the taxable value of the estate.

Existing Business Relief investments

Existing BR/APR (unquoted) (£):

Existing AIM BR (£):

Marital status

Identify who the estate will pass to so the correct IHT allowances can be applied.

Marital status*:

Has any NRB already been used:

How many NRBs are available for this estate:

Was spouse’s estate > £2m? (Yes/No):

Did spouse transfer all assets to client?:

Spouse’s estate at death (£):

Residence and descendants

Provide details about the main residence and whether it will pass to direct descendants to apply residence nil-rate band allowances.

Has your main residence been sold*:

Was it sold after 8 July 2015:

Have you downsized since 2015:

Will the home go to direct descendants*:

Charitable giving

Charitable gifts left in your Will (£):

Estate valuation

Based on these figures, the estate value is estimated at:

Total value of assets (£):

1,000,000

Total value of liabilities (£):

1,000,000

Sum of estate (£):

1,000,000

Estimated Inheritance Tax liability

Based on current tax rules and the provided information, IHT liability is:

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Value

Pre-April 2026

Post-April 2026

Post-April 2027

Gross assets

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Debts and liabilities

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Estate at death (before gifts)

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NRB applied

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RNRB applied

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Chargeable estate before charity

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Charity gifts

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Taxable estate

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Existing BR/APR reliefs

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New BR/APR reliefs

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IHT rate (%)

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IHT-liability without BR/APR reliefs

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IHT-liability with BR/APR reliefs

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Planning opportunities

How much extra could your client's save?

New BR investments

See how much IHT your client's could save, based off of the following new BR-qualifying investments.

New unquoted BR (£):

New AIM BR (£):

Move (%) assets into AIM investments:

Move (%) assets into unquoted BR-investments

Re-balance (%) BR-investments AIM ⇄ Unquoted:

IHT liability

Based on the figures entered, the IHT liability is estimated at:

IHT liability without new BR-/APR reliefs (£):

1,000,000

IHT liability with new BR-/APR reliefs (£):

1,000,000

Download results

Please fill out the following fields to download your results.

Client name:

Adviser name:

FCA number:

Adviser postcode:

Company name:

Email address:

Consent checkbox (marketing opt-in)

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