Free tool · England & Wales · 2026/27 rules
Inheritance Tax Calculator
Estimate the inheritance tax on your estate under today's rules, and see what changes when unused pensions come into the estate from 6 April 2027. No email needed, nothing is stored.
Under today's rules
£0
Estate counted: £500,000 (pensions currently outside the estate)
- Nil-rate band used: £325,000
- Residence nil-rate band: £175,000
- Taxable: £0 at 40%
From 6 April 2027 (pensions included)
£60,000
£60,000 more tax once unused pensions count — worth reviewing your will and pension nominations before 2027.
Estate counted from April 2027: £650,000.
What to do with this number
- Read the 2026–2027 IHT changes guide — what the pension change means for wills.
- Make or update your will— kits from £15, England & Wales.
- Not sure which kit? Take the 60-second quiz.
Get the free IHT 2026–2027 factsheet
Plain-English summary of the April 2026 and April 2027 IHT rule changes — what they mean for your estate, and what to do now.
About this estimate.Information tool, not financial, tax or legal advice. Figures use the 2026/27 rules for England & Wales: £325,000 nil-rate band (frozen to April 2030), up to £175,000 residence nil-rate band tapered above £2m estates, 40% standard rate (36% with a 10% charitable legacy), and the inclusion of unused pension funds from 6 April 2027 announced in the Autumn 2024 Budget (final legislation may differ). It ignores lifetime gifts, trusts, business and agricultural reliefs, and foreign assets. For a complex estate, take regulated financial or legal advice. WillSafe UK is a template publisher, not a firm of solicitors or an adviser.