A five-minute estimate of your household’s exposure — under today’s rules, and after pensions enter the estate on 6 April 2027.
About you
Marital status
For couples we estimate the bill on the second death, with both sets of allowances available — the usual position when everything passes to the surviving partner first.
Your home
Will your home pass to your children or grandchildren?
This unlocks the residence allowance — up to £175,000 per person on top of the standard allowance.
Savings & investments
ISAs, shares, funds, bonds.
Unused pension funds, all pots combined for both of you. In your estate from 6 April 2027.
Second homes, buy-to-lets, land.
Cars, contents, valuables, business interests.
Loans, credit cards — anything beyond the mortgage.
Gifts & giving
Larger gifts to family or friends. Gifts within 7 years of death use up your allowance first.
Charity gifts are tax-free — and 10% or more of your estate cuts the rate to 36%.