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Plan your estate before speaking to a lawyer.
Inheritance Planner
Guided UK inheritance and estate-planning calculator.
Your estate exceeds the IHT threshold
Estimated inheritance tax due: £160,600
At 40% on everything above your available nil-rate bands, your beneficiaries could receive £665,900 instead of £870,000.
This is a significant liability. Professional estate planning advice is strongly recommended.
Estate inputs
IHT outcome
Inheritance tax due
£160,600
Net estate
£665,900
Model placeholders
Gifts of £75,000 included at full IHT rate (conservative). If gifts were made 3–7 years before death, taper relief may reduce the IHT on those gifts by 20–80%. Consult a specialist to calculate the precise reduction based on gift dates.
Property + cash/investments + pension does not equal total estate value. Total estate value is used as the primary input.
Beneficiary splits
Add at least one beneficiary.
Scenario modelling
Current
No planning changes applied.
IHT due: £160,600
Net estate: £665,900
Leave everything to spouse first
Applies spouse/civil partner exemption where eligible.
IHT due: £0
Net estate: £826,500
Hit 10% charitable threshold
Models 36% IHT rate when charity test is met.
IHT due: £128,880
Net estate: £654,120
Maximise residence band
Routes property to direct descendants to use RNRB.
IHT due: £160,600
Net estate: £665,900
Fiscal Drag Projector
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 | £896,100 | £500,000 | £158,440 | — |
| 2 | £922,983 | £500,000 | £169,193 | +£8,593 |
| 3 | £950,672 | £500,000 | £180,269 | +£19,669 |
| 4 | £979,193 | £500,000 | £191,677 | +£31,077 |
| 5 | £1,008,568 | £500,000 | £203,427 | +£42,827 |
| 6 | £1,038,825 | £500,000 | £215,530 | +£54,930 |
| 7 | £1,069,990 | £500,000 | £227,996 | +£67,396 |
| 8 | £1,102,090 | £500,000 | £240,836 | +£80,236 |
| 9 | £1,135,153 | £500,000 | £254,061 | +£93,461 |
| 10 | £1,169,207 | £500,000 | £267,683 | +£107,083 |
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.
This calculator has identified a potential IHT liability of £160,600. At this level, structured estate planning advice from a qualified solicitor or independent financial adviser (IFA) specialising in estate planning could save your beneficiaries a significant sum. The strategies above are a starting point — a professional can model your specific situation, draft trust documents, and ensure your will is structured to make full use of available reliefs.
Look for solicitors accredited by STEP (Society of Trust and Estate Practitioners) or IFAs with estate planning qualifications.
Download Your Estate Plan Report
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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