Use our calculator to estimate your estate’s Inheritance Tax (IHT) liability.
About you
Next: Your property assets
Your property assets
Next: Your savings
Your savings
Next: Your debts
Your debts
Next: Your calculation
Your calculation
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Takes approximately 2 minutes
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For single people
Calculations assume only one inheritance Nil Rate Band (NRB) and Residence Nil Rate Band (RNRB) available.
Value of your main home
How much is your home worth?
Value of any other property
Includes second homes and buy-to-let properties
Household and personal goods
Non-exempt gifts made in the last 7 years
What’s included in non-exempt gifts?
Any gifts made in seven years prior to death will reduce the amount of IHT NRB available on death. Any gifts that exceed the IHT NRB, further IHT may be payable by the donee.
Cash
Held in person, along with UK banks and building societies
Investments (excluding pensions)
Insurance policies not in Trust
Including life assurance and whole life
Business interests
Other assets
What type of Investments do I need to include?
"Investments" include National Savings & Investments, Individuals Savings Accounts (ISAs), Stocks and shares, Collective investments etc. It does not include pension investments.
What does ‘Business interests’ mean
"Business Interest" includes limited companies, partnerships, limited liability partnerships, sole traderships, owner-occupied agricultural property, Alternative Investment Market (AIM) investments and Enterprise Investments Schemes (EIS) which have been owned for at least two years at the date of death, and assumes 100% Business/Agricultural Relief will be received to remove the entire value from the IHT calculation. It does not apply in any case where the business interest is one which consists "wholly or mainly" of dealing in securities, stocks or shares, land or buildings or in the making or holding of investments. From April 2026 Relief for listed shares such as AIM shares will be reduced to 50%, and there will be a limit of £1 million on unlisted company shares, whereafter relief will be 50%.
Mortgage(s) left on your properties
The amount you have left to pay on your property
Other debts
What does ‘other debts include
Calculation of the IHT liability assumes all debts are allowable for IHT.
We’re crunching your numbers...
This figure is just an indication of your liability, for more detailed information please provide your contact information below to see how we can help.
Yes, you have a liability of
The gross value of your assets is and total debts are , resulting in a net total of assets of .
Your available Nil Rate Band is , and you available Residence Nil Rate Band is . This results in a total taxable assets of .
What does Nil Rate Band available mean?
There is a minimum band of £325,000 on which no inheritance tax is charged. Gift made in the last seven years count against this amount. The unused percentage of this band passes between spouses on death. Maximum amount is £650,000.
What does Residence Nil Rate Band available mean?
Individuals with direct descendants who have an estate (including a main residence) with total assets above the Inheritance Tax (IHT) threshold (or nil-rate band) of £325,000 and personal representatives of deceased persons.
This figure is just an indication of your liability
For more detailed information, get in touch with our expert team below to see how we can help.
Contact us today to discuss how Charles Stanley can help you.
0207 739 8200 (Open Mon-Fri, 9am-5pm)
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