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Inheritance Tax Calculator 2026/27
Free UK Inheritance Tax calculator: the £325,000 nil-rate band, the £175,000 residence nil-rate band (tapered over £2 million), transferable allowances from a late spouse, and the 36% charity rate.
The estate
Inheritance Tax to pay
£156,000
| Estate after debts | £890,000 |
| Nil-rate band | − £325,000 |
| Residence nil-rate band | − £175,000 |
| Taxable | £390,000 |
| Rate | 40% |
| Inheritance Tax | £156,000 |
2026/27 rules
| Nil-rate band | £325,000 |
| Residence nil-rate band (home to direct descendants) | £175,000 |
| Tax rate above the bands | 40% |
| If 10%+ of the estate goes to charity | 36% |
Both bands are frozen until April 2031. A married couple can pass on up to £1 million tax-free. From April 2027, most unused pensions are due to count towards the estate. Gifts in the last 7 years, trusts and business or farm relief are not covered here.
Rules last checked October 2026. An estimate for planning; executors work out the real figure. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: GOV.UK: Inheritance Tax · GOV.UK: residence nil-rate band
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
How much can I leave tax-free?+
£325,000, plus £175,000 if your home goes to children or grandchildren: £500,000. A married couple can pass on up to £1 million.
What is the Inheritance Tax rate?+
40% on the part above the tax-free bands, or 36% if at least 10% of the estate goes to charity.
Is anything left to a spouse taxed?+
No. Gifts to a spouse or civil partner who lives in the UK are exempt, and their unused allowances can pass on.