TheirInheritance TAX YEAR 2026-27 · RUNS ON YOUR DEVICE

Is everything you’ve built hand‑down‑able?

Fig. 1 — An example couple, second death

This family would owe £160,000 in inheritance tax.

A married couple with a home worth £700,000, savings of £700,000 and pensions of £300,000, leaving everything to each other and then to their children. As it stands today; move the figures below.

▲ £120,000 more under the new rules from 6 April 2027

This example owes £160,000 under current rules and £280,000 under the new rules from 6 April 2027. Switch on JavaScript to move the figures.

Estate £1,400,000
  • A · Tax-free bands £1,000,000
  • B · Taxed at 40%
  • C · Pension left out under current rules

A quick estimate for one simple kind of family: a married couple, no gifts, debts, life cover or reliefs, and the home going to their children. Your own figures in the app give the real answer.

Now try your own figures → Free. No sign-up. Your estate figures stay on your computer or phone. We never see them or keep them.

Specification

Built on HMRC’s published rules. Every figure traced.

Nil-rate band
£325,000
each, passes to a spouse
Home band
£175,000
each, when the home goes to children
Taper
£1 per £2
home band lost above £2,000,000
Pensions counted
6 April 2027 ▲
unused pension joins the estate

Sources for each rule on the maths page.

Fig. 2 — Where your estate figures go

Nowhere. They are worked out on your device.

Install the app and it runs with the internet switched off.

Your device
Figures worked out here ✓
— — — ✗ — — —
figures never sent
Our servers
No copy, no account

The one exception is feedback: if you choose to send it, the words you type reach us. Never your figures.

Now try your own figures →