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Plan your estate before speaking to a lawyer.
Guided UK inheritance and estate-planning calculator.
Inheritance tax due
£0
Net estate
£0
Add at least one beneficiary.
Current
No planning changes applied.
IHT due: £0
Net estate: £0
Leave everything to spouse first
Not applicable with current marital setup.
Applies spouse/civil partner exemption where eligible.
IHT due: £0
Net estate: £0
Hit 10% charitable threshold
Models 36% IHT rate when charity test is met.
IHT due: £0
Net estate: £0
Maximise residence band
Not applicable with current marital setup.
Routes property to direct descendants to use RNRB.
IHT due: £0
Net estate: £0
See how frozen IHT thresholds increase your tax bill as your estate grows.
| Year | Projected Estate | IHT Threshold | Projected IHT | Extra Tax vs Today |
|---|---|---|---|---|
| 1 | £0 | £325,000 | £0 | — |
| 2 | £0 | £325,000 | £0 | — |
| 3 | £0 | £325,000 | £0 | — |
| 4 | £0 | £325,000 | £0 | — |
| 5 | £0 | £325,000 | £0 | — |
| 6 | £0 | £325,000 | £0 | — |
| 7 | £0 | £325,000 | £0 | — |
| 8 | £0 | £325,000 | £0 | — |
| 9 | £0 | £325,000 | £0 | — |
| 10 | £0 | £325,000 | £0 | — |
UK IHT thresholds have been frozen until at least 2030. As your estate grows, more of it becomes taxable — even if the rules don't change.
Professional PDF — estate summary, IHT calculation, beneficiary splits, planning scenarios, and full caveats.
Important Notice
FinMapper provides illustrative financial modelling tools for informational purposes only. Nothing on this platform constitutes financial advice, investment advice, legal advice, or a personal recommendation of any kind. All projections are based on the assumptions you provide and may differ materially from actual outcomes. Past performance is not a reliable indicator of future results. Divorce settlement estimates are not legal advice — always consult a qualified family law solicitor. You should seek independent financial advice from an FCA-authorised adviser before making any financial decisions. FinMapper accepts no liability for decisions made in reliance on this platform.
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