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 ExposureView Pricing
No data stored100% browser-basedHMRC 2025–26 rulesResults 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.

From £39
Your PDF Report

Everything you need to act

Formatted for your financial adviser. From £39.

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

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

Calculate Your ExposureSee Pricing

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