What would your family pay in inheritance tax?
Add up what you own to see what inheritance tax your family would pay, and what's tax-free.
Your answer
Enter what you own to see the inheritance tax.
About this calculator
For anyone wondering what their family would pay, and whether it's worth planning now.
What happens to your answers
We don’t keep them. Your answers go to our server to do the sums and aren’t stored or logged. If you copy a link to your answers, they’re in the link itself, so only share it with people you trust.
How it’s worked out
Everything you own, less debts, is your estate. The first £325,000 is tax-free, plus up to £175,000 more if your home goes to your children or grandchildren (reduced for estates over £2 million). A late husband, wife or civil partner's unused amounts can be added. What's left is taxed at 40%, or 36% if you leave at least 10% to charity. From April 2027, unused pension pots count too.
Worked example
Your family would pay about £160,000 in inheritance tax, leaving them £740,000.
Death this tax year
| Everything you own | £900,000 |
|---|---|
| Unused pensions (not counted until 6 April 2027) | £0 |
| Less the tax-free amount | − £325,000 |
| Less the extra allowance for passing your home to children or grandchildren | − £175,000 |
| Taxed at 40% | £400,000 |
| Inheritance tax | £160,000 |
Worked out using HMRC's inheritance tax thresholds and rates.
Questions people ask
Is anything left to my husband or wife taxed?
No. Gifts to a husband, wife or civil partner living in the UK are tax-free, and their unused tax-free amounts can later pass to your children.
When is it paid?
By the end of the sixth month after death. Tax on some property and businesses can be paid in 10 yearly instalments.
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