UK inheritance tax calculator (IHT)
Calculate UK Inheritance Tax (IHT) with £325,000 nil-rate band, residence relief, 40% rate and estate taper online for free.
In your browser
NRB (£) + RNRB (£)
Amount above tax-free band
100% exempt from IHT
After all IHT and donations
Next in your workflow
Also with the uk inheritance tax calculator
About this tool
Calculate UK Inheritance Tax on your estate under HMRC rules including residence relief and spouse transfers.
How to use it
- 1 Enter the total net value of the estate (property, savings, investments minus debts).
- 2 Select whether the home is left to children or grandchildren to include the £175,000 RNRB.
- 3 Specify if unused spouse or civil partner allowances are being transferred.
- 4 Enter the percentage of net estate left to registered charities (10%+ qualifies for 36% rate).
- 5 Review your total tax-free allowances, taxable estate, IHT tax due, and net inheritance passed to beneficiaries.
Questions
What is the tax-free inheritance allowance in the UK?
Each individual has a £325,000 nil-rate band plus up to £175,000 residence nil-rate band when passing a home to children.
What is the UK Inheritance Tax threshold?
The standard Nil-Rate Band is £325,000. If you leave a residential home to direct descendants (children or grandchildren), you get an additional Residence Nil-Rate Band of up to £175,000, creating an individual tax-free allowance of £500,000 (£1,000,000 for married couples).
What is the IHT rate in the UK?
The standard rate of Inheritance Tax is 40% on the portion of your estate above the tax-free threshold. If you leave at least 10% of your net estate to charity, the rate drops to 36%.
How does the £2 million IHT taper work?
If an estate is valued over £2,000,000, the Residence Nil-Rate Band is tapered down by £1 for every £2 of estate value above £2M.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
More in Calculators & converters
- UK salary tax calculator New Calculate UK take-home pay, income tax, National Insurance and student loan deductions for 2024-26.
- UK VAT calculator New Add or remove UK VAT at 20%, 5% or custom rates with instant net, VAT and gross totals for invoices.
- UK Stamp Duty (SDLT) calculator New Calculate Stamp Duty Land Tax (SDLT) in England and Northern Ireland for first-time buyers, home movers and additional properties.
- UK holiday entitlement calculator New Calculate statutory UK annual leave and holiday entitlement for full-time, part-time and irregular hours workers.
- UK student loan calculator New Calculate UK student loan repayments for Plan 1, Plan 2, Plan 4 Scotland, Plan 5 and Postgraduate loans based on your salary.
- UK redundancy pay calculator New Calculate statutory UK redundancy pay based on age, weekly pay and length of service under current HMRC limits.