UK Inheritance Tax — What Would Your Estate Owe?

Estates pay 40% above the combined threshold: £325,000 nil-rate band plus £175,000 residence allowance (home to direct descendants) — up to £500k per person, £1m for couples.

Quick answer: Free UK IHT calculator: estate value, home left to children, spouse context — nil-rate band £325k + residence allowance £175k, 40% above, with the pass-to-spouse note.

Estimated IHT
Combined allowance
Heirs receive

How to use

  1. Open this page on any device — no signup needed.
  2. Fill in the fields above.
  3. Get your result instantly — nothing is uploaded.

About this tool

UK Inheritance Tax charges 40% on estate value above the available bands: the £325,000 nil-rate band, plus the £175,000 residence nil-rate band when a home goes to children/grandchildren (tapered away above £2m). Everything left to a spouse passes free, and unused bands transfer to the survivor — so couples typically shelter £1m. This estimator shows the per-person picture; trusts, gifts-in-7-years and business relief need professional advice.

FAQ

Is IHT due on everything I leave?
No — most estates pay nothing: combined couple allowances reach £1m, and spouses are exempt. Roughly 4–7% of UK deaths trigger IHT.
Can I avoid IHT by gifting?
Gifts become exempt if you survive 7 years after giving (with tapering relief years 3–7) — the '7-year rule'. Annual £3,000 gift allowance is immediately exempt.

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