What is IHT Planner?
IHT Planner is a free tool that calculates the estimated inheritance tax on a UK estate. Enter your estate value, property, debts, and personal situation to see your IHT estimate, tax-free allowances, and what your family could receive — instantly, with no sign-up required.
The tool covers the standard nil-rate band (£325,000), residence nil-rate band (£175,000 when a home is left to direct descendants), spouse exemption (no IHT on the first death between married couples), widowed allowances (doubled thresholds), charity reduction (36% rate when 10%+ donated), and the 7-year gift rule.
How accurate are the estimates?
Estimates are based on the 2025/26 HMRC thresholds. Real IHT calculations can be complex — this tool covers the main reliefs but does not account for business property relief, agricultural relief, complex trusts, or all types of asset. Always consult a qualified solicitor or financial adviser before making estate planning decisions.
Is this financial advice?
No. IHT Planner provides estimates for informational purposes only. Nothing on this site constitutes financial, legal, or tax advice. Please consult a qualified professional for personal estate planning.
Ready to calculate? Head back to the IHT calculator for your instant estimate.