IHT Planning & Mitigation Tool

Full inheritance tax analysis for UK expats. Understand long-term UK residence exposure, apply available reliefs and model the effect of gifting, pensions, business assets and other mitigation strategies.

Estate details

Total estate value

UK property value (for RNRB)

Residence Nil Rate Band: £175k if UK property passes to direct descendants.

Marital status

Married/CP

Single/Divorced

Widowed

UK IHT exposure status

Long-term UK resident

Departure tail applies

Non-long-term resident

From 6 April 2025, long-term UK residence replaced domicile/deemed domicile for most UK IHT exposure on overseas assets.

Value of UK-sited assets (if non-long-term resident)

Pension pot value (note: pensions to be included in estate from April 2027)

Total lifetime gifts in last 7 years

Annual gifting allowance used

Not using £3k/yr

Using £3k/yr (2 yrs)

Business or agricultural property (BR/AR qualifying)

Business Relief (100% or 50%) or Agricultural Relief can significantly reduce IHT.

Enter your estate details to see your IHT analysis.