Inheritance Tax Calculator 2026/27

Quick estimate of UK IHT: £325,000 nil-rate band plus £175,000 residence nil-rate band where a home passes to direct descendants. Frozen to 2028.

Total estate value

Value of home to direct descendants

Transferred NRB from spouse (%)

100%

Transferred RNRB from spouse (%)

100%

Estimated Inheritance Tax

£0.00

Nil-rate band available£650,000.00

Residence NRB available£350,000.00

Residence NRB used£350,000.00

Taxable estate @ 40%£0.00

Simplified calculator. Does not model gifts within 7 years, business/agricultural relief, charitable gifts (36% rate), or trusts. Take professional advice on estate planning.