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 (DC) (£):

GIA (non-BR) (£):

ISA (non-BR) (£):

Other assets

Gifts value (last seven years) (£):

Foreign assets (£):

Value of other assets (£):

Debts and liabilities

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

Main residence mortgage (£)*:

Investment property 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 (£):

0

Total value of other assets (£):

0

Total value of liabilities (£):

0

Sum of estate (£):

0

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:

Residence and descendants

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

Will the home go to direct descendants*:

Has your main residence been sold*:

Was it sold after 8 July 2015*:

Have you downsized since 2015*:

Value of property when sold (£):

Downsizing value (£):

Charitable giving

Charitable gifts left in your Will (£):

Estate valuation

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

Total value of assets (£):

0

Total value of other assets (£):

0

Total value of liabilities (£):

0

Sum of estate (£):

0

Estimated Inheritance Tax liability

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

Value

Pre-April 2026

Post-April 2026

Post-April 2027

Total value of assets (£)

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Total value of 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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Charitable gifts (£)

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Taxable estate (£)

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IHT rate (%)

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Existing unquoted BR relief (£)

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Existing AIM BR relief (£)

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Existing IHT liability (£)

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IHT liability with new BR planning (£)

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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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Downing’s IHT planning options

Estate planning solutions are not one-size-fits-all. Our multi-solution offering enables advisers to select the option that best aligns with an investor’s individual circumstances and investment time horizon – or you can combine multiple services for a tailored approach.

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Downing Estate Planning Service

One liner

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