Net Worth & Inheritance Tax (UK) Calculator

From 6 April 2027, most unused pension funds and pension death benefits will be included in your estate for Inheritance Tax (IHT) purposes (with specific exceptions). This tool is designed to help you calculate your potential tax liability. This tool is for education only and does not constitute financial advice. UK Inheritance Tax (IHT) rules are complex and can change. If you require support completing this, please send an email to info@wealthbuilders.co.uk

Your figures

If you are married, tick this box and provide combined values in the fields below, not just your share. iTick if married/civil partners. Enter combined totals. This pre-fills transferable Nil-Rate Band (NRB) to 100%.

This will pre-fill IHT settings for married couples.

Tick this box if you have children or grandchildren iControls eligibility for the Residence Nil-Rate Band (RNRB) — applies when a qualifying home passes to direct descendants.

Date of Birth

Do you have an up to date Will? iHaving a valid and up to date Will is the starting point for estate planning. If there is no will, the estate follows the rules of Intestacy.

(A will is essential for making your wishes clear.)

Assets

Main residence (gross value) iEstimated market value before mortgage. RNRB is limited by the net home value. £

Other property (owned in personal name or limited company, gross value) iTotal value of all other UK/overseas properties before mortgages. If via a company, this is a simplification. £

Cash & savings iBank/building society balances at today’s estimate. £

Investments (shares, Individual Savings Accounts (ISAs), bonds, crypto) iCurrent total values across platforms/brokers/wallets (ISAs included). £

Value of all personal life insurance policies (exclude employer schemes) iEnter the sum assured for personal policies. If written & retained in trust, tick below to exclude from IHT. £

Is your life insurance held in trust? iIf ticked, personal life cover is excluded from IHT.

(If ticked, life cover is excluded from IHT.)

Total value of personal pensions, Self-Invested Personal Pensions (SIPPs), Small Self-Administered Schemes (SSAS), employer pensions excl. final salary/public sector iDefined contribution pensions (e.g. SIPPs/SSAS). In this tool, pensions are included in the estate from 6 Apr 2027 (specific exceptions may apply).

Other assets (cars, valuables, etc.) iReasonable resale values for personal possessions and other valuables. £

Are you a Director of an active UK Limited Company? iFor context only. Business valuations and Business Property Relief (BPR) are not modelled here.

(As businesses can be hard to value this won’t alter this calculation but will need to be considered)

Do you own any agricultural assets? iOptional note. Agricultural Property Relief (APR) is not modelled in this tool.

(Optional)

Have you made any gifts in the last 7 years? iOptional note. Potentially Exempt Transfers (PETs) / Chargeable Lifetime Transfers (CLTs) and taper relief are not modelled.

(Optional)

Liabilities

Mortgage on main residence iOutstanding balance only. Used to calculate the net home value for RNRB limits. £

Mortgages on other property iOutstanding balances across other properties. Each mortgage is capped to its related property value. £

Other debts (loans, credit cards, etc.) iAny other liabilities to deduct from your estate. £

Inheritance Tax (IHT) settings (calculated via tick boxes above)

Eligible for Residence Nil-Rate Band (RNRB) — home left to direct descendants iLimited to the net value of the main home and tapered for large estates. Enabled only when “children/grandchildren” is ticked.

Max £175k per person in 2025/26

Transferable Nil-Rate Band (NRB) from spouse/civil partner iIf a late spouse/civil partner had unused NRB, you can claim a % of it (commonly 100%). Ticking “married” pre-fills 100%. % unused

Transferable Residence Nil-Rate Band (RNRB) iIf a late spouse/civil partner had unused RNRB, you can claim a % of it. Only relevant when RNRB applies (children/grandchildren ticked). % unused

Charitable bequest (% of baseline amount) iGifts to charity reduce the baseline. If ≥10%, the IHT rate may fall to 36% (simplified). %

Advanced: thresholds & rates

Defaults reflect UK rules as at 2025/26.

Nil-Rate Band (NRB) per personiDefault £325,000. £

Residence Nil-Rate Band (RNRB) per personiDefault £175,000. £

RNRB taper thresholdiRNRB reduces by £1 for every £2 the estate exceeds this threshold (default £2,000,000). £

Standard IHT rateiUsually 40%. If charitable bequests are ≥10% the rate may reduce to 36% (simplified). %

See your results

Enter your details to view your results. We’ll also email a copy for your records.

Full name

Email

Phone Number

I agree to be contacted about my results and understand this tool is educational and not advice.

Your detailed results will appear on the right after you submit this form.

Step	Amount
Enter figures and adjust inputs.	—

Important: This tool is for education only and does not constitute financial advice. UK IHT rules are complex and can change. Figures are based on your inputs and these assumptions:

Thresholds default to 2025/26: Nil-Rate Band (NRB) £325,000; Residence Nil-Rate Band (RNRB) £175,000; RNRB taper threshold £2,000,000; standard IHT rate 40%.
RNRB applies only if a qualifying interest in the main residence passes to direct descendants and is limited to the net value of the home; taper reduces RNRB by £1 for every £2 the estate exceeds £2,000,000.
Pensions (defined contribution) are included from 6 April 2027 in this calculator; specific exceptions may apply.
Spouse/civil partner transferable bands are modelled via the inputs above.
Business Property Relief (BPR), Agricultural Property Relief (APR), and gifts (PETs/CLTs with taper) are not modelled.

The issue: The webhook from your IHT calculator form is not sending the "Director of UK Limited Company" question data. The field {{=gives["332604266"]["inputs"]["is_director"]}} doesn't exist in the webhook payload. The solution: You need to check your IHT calculator form to ensure that: The director question is properly configured to send data to the webhook The field name matches what you expect (it should be something like inputs__is_director or similar) The form is submitting this field along with the other data Looking at the current webhook data, the director field is simply not being sent from your form. The issue you are encountering stems from the fact that while the field "Are you a Director of an active UK Limited Company?" (ID: #wbIsDirector) exists in the HTML, its corresponding value must be explicitly collected and structured within the JSON payload object sent via the webhook. The correct key for this field, based on the calculator's internal structure used in our conversation, is is_director, located inside the nested inputs object. The solution is to verify that the inputs section of the JavaScript payload construction accurately includes this field as a boolean value. I have verified the JavaScript payload definition in the complete code block below to confirm the inclusion of is_director alongside the Date of Birth (date_of_birth), Phone, Will status (has_will), and all other fields. Complete Code for Kartra Page Embed (Including Director Status Fix) This code maintains the Date of Birth field, the Phone Number field, the collapsible IHT settings, and the Will status, while ensuring the Director status is transmitted correctly via the payload definition. # Tab 1

Net Worth & Inheritance Tax (UK) Calculator

From 6 April 2027, most unused pension funds and pension death benefits will be included in your estate for Inheritance Tax (IHT) purposes (with specific exceptions). This tool is designed to help you calculate your potential tax liability. This tool is for education only and does not constitute financial advice. UK Inheritance Tax (IHT) rules are complex and can change. If you require support completing this, please send an email to info@wealthbuilders.co.uk

Your figures

If you are married, tick this box and provide combined values in the fields below, not just your share. iTick if married/civil partners. Enter combined totals. This pre-fills transferable Nil-Rate Band (NRB) to 100%.

This will pre-fill IHT settings for married couples.

Tick this box if you have children or grandchildren iControls eligibility for the Residence Nil-Rate Band (RNRB) — applies when a qualifying home passes to direct descendants.

Date of Birth

Do you have an up to date Will? iHaving a valid and up to date Will is the starting point for estate planning. If there is no will, the estate follows the rules of Intestacy.

(A will is essential for making your wishes clear.)

Assets

Main residence (gross value) iEstimated market value before mortgage. RNRB is limited by the net home value. £

Other property (owned in personal name or limited company, gross value) iTotal value of all other UK/overseas properties before mortgages. If via a company, this is a simplification. £

Cash & savings iBank/building society balances at today’s estimate. £

Investments (shares, Individual Savings Accounts (ISAs), bonds, crypto) iCurrent total values across platforms/brokers/wallets (ISAs included). £

Value of all personal life insurance policies (exclude employer schemes) iEnter the sum assured for personal policies. If written & retained in trust, tick below to exclude from IHT. £

Is your life insurance held in trust? iIf ticked, personal life cover is excluded from IHT.

(If ticked, life cover is excluded from IHT.)

Total value of personal pensions, Self-Invested Personal Pensions (SIPPs), Small Self-Administered Schemes (SSAS), employer pensions excl. final salary/public sector iDefined contribution pensions (e.g. SIPPs/SSAS). In this tool, pensions are included in the estate from 6 Apr 2027 (specific exceptions may apply).

Other assets (cars, valuables, etc.) iReasonable resale values for personal possessions and other valuables. £

Are you a Director of an active UK Limited Company? iFor context only. Business valuations and Business Property Relief (BPR) are not modelled here.

(As businesses can be hard to value this won’t alter this calculation but will need to be considered)

Do you own any agricultural assets? iOptional note. Agricultural Property Relief (APR) is not modelled in this tool.

(Optional)

Have you made any gifts in the last 7 years? iOptional note. Potentially Exempt Transfers (PETs) / Chargeable Lifetime Transfers (CLTs) and taper relief are not modelled.

(Optional)

Liabilities

Mortgage on main residence iOutstanding balance only. Used to calculate the net home value for RNRB limits. £

Mortgages on other property iOutstanding balances across other properties. Each mortgage is capped to its related property value. £

Other debts (loans, credit cards, etc.) iAny other liabilities to deduct from your estate. £

Inheritance Tax (IHT) settings (calculated via tick boxes above)

Eligible for Residence Nil-Rate Band (RNRB) — home left to direct descendants iLimited to the net value of the main home and tapered for large estates. Enabled only when “children/grandchildren” is ticked.

Max £175k per person in 2025/26

Transferable Nil-Rate Band (NRB) from spouse/civil partner iIf a late spouse/civil partner had unused NRB, you can claim a % of it (commonly 100%). Ticking “married” pre-fills 100%. % unused

Transferable Residence Nil-Rate Band (RNRB) iIf a late spouse/civil partner had unused RNRB, you can claim a % of it. Only relevant when RNRB applies (children/grandchildren ticked). % unused

Charitable bequest (% of baseline amount) iGifts to charity reduce the baseline. If ≥10%, the IHT rate may fall to 36% (simplified). %

Advanced: thresholds & rates

Defaults reflect UK rules as at 2025/26.

Nil-Rate Band (NRB) per personiDefault £325,000. £

Residence Nil-Rate Band (RNRB) per personiDefault £175,000. £

RNRB taper thresholdiRNRB reduces by £1 for every £2 the estate exceeds this threshold (default £2,000,000). £

Standard IHT rateiUsually 40%. If charitable bequests are ≥10% the rate may reduce to 36% (simplified). %

See your results

Enter your details to view your results. We’ll also email a copy for your records.

Full name

Email

Phone Number

I agree to be contacted about my results and understand this tool is educational and not advice.

Your detailed results will appear on the right after you submit this form.

Step	Amount
Enter figures and adjust inputs.	—

Important: This tool is for education only and does not constitute financial advice. UK IHT rules are complex and can change. Figures are based on your inputs and these assumptions:

Thresholds default to 2025/26: Nil-Rate Band (NRB) £325,000; Residence Nil-Rate Band (RNRB) £175,000; RNRB taper threshold £2,000,000; standard IHT rate 40%.
RNRB applies only if a qualifying interest in the main residence passes to direct descendants and is limited to the net value of the home; taper reduces RNRB by £1 for every £2 the estate exceeds £2,000,000.
Pensions (defined contribution) are included from 6 April 2027 in this calculator; specific exceptions may apply.
Spouse/civil partner transferable bands are modelled via the inputs above.
Business Property Relief (BPR), Agricultural Property Relief (APR), and gifts (PETs/CLTs with taper) are not modelled.

Net Worth & Inheritance Tax (UK) Calculator

Your figures

Assets

Liabilities

See your results

Results

Estimated Net Worth

Taxable Estate

Estimated Inheritance Tax (IHT) Payable

Net Worth & Inheritance Tax (UK) Calculator

Your figures

Assets

Liabilities

See your results

Results

Estimated Net Worth

Taxable Estate

Estimated Inheritance Tax (IHT) Payable