UK Inheritance Tax Calculator

See where your estate goes
before it's too late.

Estate Map shows exactly how your wealth distributes — to your family, to HMRC, and across generations. Interactive, browser-based, and professionally formatted for your adviser.

Calculate Your Exposure
✓No data stored✓100% browser-based✓HMRC 2025–26 rules✓Results in 5 minutes
Estate Distribution · InteractiveHover to explore
YOUR ESTATE£0gross estate value · NRB £325,000Spouse£925,00050.0%Children£480,00025.9%Grandchildren£120,0006.5%HMRC£186,00010.1%↓ minimiseTrusts£89,0004.8%Charities£50,0002.7%
⚠ April 2027

Pensions will be counted in your estate from April 2027 — increasing IHT exposure for millions of households.

See your exposure →
£234k
Average IHT bill in 2024
HMRC Statistics
1 in 20
UK estates now pay inheritance tax
Frozen thresholds since 2009
40%
Tax rate above the Nil-Rate Band
On estates over £325,000
Simple & Secure

How Estate Map works

01
01

Enter your estate

Properties, savings, investments, pensions, and gifts made in the last 7 years. Takes around 5 minutes.

5 mins
→
02
02

See the full picture

Interactive estate flow, timeline projections, and a precise IHT calculation based on current HMRC rules.

Instant
→
03
03

Download your report

A professional PDF formatted for your financial adviser — with full workings, assumptions, and planning notes.

Free
Your PDF Report

Everything you need to act

Formatted for your financial adviser. Free to download.

◎

Timeline projections

See your IHT liability today, after 2027 reforms, and at life expectancy — with estate growth modelled at 3% per year.

◈

2027 pension impact

Calculates the precise increase in your liability from the April 2027 pension reform, specific to your pension value.

◇

Gifting analysis

Shows how much IHT you could eliminate through structured gifts over 7 years, within annual exemptions.

◫

Spousal relief

Models the full benefit of transferring unused nil-rate bands between spouses — up to £1,000,000 combined allowance.

◻

Adviser-ready PDF

Full calculations, assumptions, and planning notes in a clean layout. Ready to bring to your next adviser meeting.

Example planning insights from your report
⚠Exposure identified

Your estate exceeds the nil-rate band by £664,000. At 40%, this represents a liability of £265,600 under current rules.

⚠2027 reform impact

Including your pension from April 2027 increases your IHT liability by £80,000. Review now whilst planning options remain.

✓Planning opportunity

Structured gifts of £3,000 per year, plus larger gifts held 7 years, could reduce your liability by up to £130,000.

Insights are illustrative and based on example figures. Your report uses your actual estate values.

Generate your report →
Common Questions

Frequently asked questions

Get Started Today

Your estate plan starts here

Estate Map is free. Understand your full IHT position in under five minutes, then download a professional report when you're ready.

Calculate Your Exposure

Estate Map provides illustrative estimates only, not financial, tax, or legal advice. Always consult a qualified financial adviser for your specific circumstances.