Know your number.
Plan with clarity.

With confirmed changes to pension and Inheritance Tax rules taking effect in April 2027, get a live, indicative view of where your estate may stand against UK Inheritance Tax — and the planning conversations worth having next. Plus the option of a complimentary personal PDF report from Real Wealth.

Find my IHT position

40%

of every £1 above your available allowances may be lost to Inheritance Tax — yet most estates can plan to soften the impact.

UK IHT at a glance

  • Standard nil-rate band of £325,000 per person
  • Residence nil-rate band of up to £175,000 where applicable
  • Allowances may transfer between spouses or civil partners
  • Above £2m, the residence allowance starts to taper away
  • Tax year shown: 2026/27. Thresholds and rules can change.

Inheritance is rarely about money. It’s about the people you’ve built it for — and the quiet certainty that the choices you make today will reach them, intact, when it matters. Good planning is the difference between a number that arrives by accident and a legacy you intend.

– Why take the snapshot

A clearer view of where you stand — and what to do about it.

A short, structured walk-through of the figures that matter, framed by current UK rules. Built for individuals and families thinking about the people they want to provide for.

Where your estate sits today

An indicative gross estate figure, the allowances available to you, and the taxable estate that flows from those numbers — drawn against current UK thresholds.

An honest estimate of the bill

A headline IHT figure at the standard 40% rate, plus the amount that would reach your beneficiaries — without false precision and without alarmism.

Risk flags worth a conversation

From wills not in place and life cover not in trust, through to estate values above the £2m taper threshold — we surface what’s worth a planner conversation.

A PDF report, yours to keep

A personal A4 PDF you can save, print, share with family, or take into a planner conversation. Includes assumptions, flags, and suggested planning areas.

– Interactive snapshot

Find your indicative IHT position.

Adjust the figures and your snapshot updates live. Based on UK IHT rules for the 2026/27 tax year — the result is an indicative educational estimate, not personal advice.

Please read before you start. This snapshot uses simplified assumptions and relies on your understanding of the information being requested. Interpreting a question incorrectly can materially change the result. The output may differ materially from a full tax calculation and should not be relied on for planning decisions on its own — use it as a starting point for a conversation with a qualified planner.

Would rather talk this through with someone instead? Call us on 0161 768 7722 — no calculator needed..

About you

Relationship status
Your ageAffects pension treatment
Under current rules, pensions inherited where death is age 75+ are taxed as income on the beneficiary. From April 2027, IHT may also apply — see the comparison below.
Do you have a valid will?
Used trusts or estate planning so far?

Your estate

Main residenceCurrent market value
Savings & investmentsExcl. pensions
Chattels & personal possessionsOften forgotten
Cars, jewellery, watches, art, antiques, collectibles, furniture and household contents. They add up — and they're inside your estate for IHT.
Pension valueSIPP, personal, drawdown, workplace DC
Pension rule basisApplies to pension value only — switch the view
The big change. From 6 April 2027, most unused pension funds and death benefits (SIPPs, personal pensions, drawdown funds, unused workplace DC) are, under the Finance Act 2026, due to be added back into your estate and assessed for IHT at 40%. For many people this brings pensions into IHT for the first time. Flip the toggle to compare — the impact summary is shown alongside your snapshot.
Business / agricultural assetsAssumed 100% relief up to £2.5m combined, 50% above (Finance Act 2026) — see flag below
No rule-basis toggle here: unlike pensions, this relief change already took effect on 6 April 2026, so only one basis currently applies.
Life insurance value
Outstanding mortgage / debts
Lifetime gifts in last 7 years

Who would benefit

Intended beneficiariesTick all that apply
Estimated IHT liability
£0
At 40% above available allowances
To your beneficiaries
£0
After IHT, before pension

Indicative estimate only — not personal advice, tax advice or a recommendation.

0%
Effective IHT rate on net estate

No IHT is indicated on the figures provided — your allowances cover your estate.

Where your estate goes

Calculation breakdown

ItemValue
Gross estate (excl. pensions, net of assumed BPR/APR relief)£0
Less debts & mortgages−£0
Net estate£0
Available nil-rate band£0
Available residence nil-rate band£0
Total available allowances£0
Estimated taxable estate£0
Estimated IHT at 40%£0
Estimated amount to beneficiaries£0

Areas worth a conversation

These are generated from the answers you've given, not verified information. If any answer above isn't quite right, adjust it — the flags and figures will update.

Want this as a personal report? Get a PDF summary of your indicative position, the assumptions behind it, and the planning areas most relevant to you.

Book a conversation
Important. The figures shown are an indicative educational estimate based on the information you provide. This estimate uses simplified assumptions and your understanding of the information being requested, and as such may differ materially from a full tax calculation. It is not personal advice, tax advice or a recommendation, and does not replace a full review by a qualified financial planner. UK tax rules and allowances can change. The pension IHT change is confirmed by the Finance Act 2026 (effective 6 April 2027); detailed HMRC administrative guidance is still being finalised.

Important — please read. The figures shown by this snapshot are indicative estimates based on UK IHT rules for the 2026/27 tax year, including changes confirmed by the Finance Act 2026 (effective 6 April 2026 and 6 April 2027). The estimate uses simplified assumptions and relies on your understanding of the information being requested, and may differ materially from a full tax calculation. It is for guidance only and does not constitute personal advice, tax advice or a recommendation. The FCA does not regulate tax or estate planning advice.

– Ready when you are

Speak to a Real Wealth financial planner

Thinking about wills, trusts, life cover in trust, or how to use your allowances over the years ahead? A complimentary 30-minute conversation with a Real Wealth financial planner will help you get an initial understanding of what’s worth doing — and what isn’t — for your specific position. No obligation, no jargon, no pressure to proceed.

Book a conversation

Or call us directly

0161 768 7722

Real Wealth Partners uses the information you provide solely to send your report and to make contact about relevant planning options. We never sell your data or share it for anyone else’s marketing. Trusted service providers that support us (such as our CRM and email systems) may process it on our behalf, under contract, solely to help us deliver our service to you. Read our privacy notice.