Pension & inheritance tax check
What could the 2027 pension changes mean for your family?
A confidential check of how the 2027 pension changes could affect what you leave behind, and the options open to you and your family.
About the change, and how this works
01
A few details
Five short questions about your household, home, pensions and savings.
02
A clearer picture
Inheritance tax under today's rules and from 6 April 2027, and what the difference means for you.
03
Your next steps
A briefing to save, a private link to share, and the option of a conversation.
The change
From 6 April 2027, most unused pension funds and death benefits count as part of the estate for inheritance tax. Finance Act 2026. Rules for 2026/27; allowances frozen to 5 April 2031.
Who is this illustration for?
Choose one to continue.
Enter an age between 18 and 110.
Enter an age between 18 and 110.
Choose yes or no to continue.
Your home
Enter 0 if you don't own your home. Shorthand works: 1.1m, 450k.
Enter an amount, for example 450,000 or 450k.
Enter an amount, for example 120,000 or 120k.
Choose one to continue.
Pension funds not yet drawn
Enter an amount, for example 600,000 or 600k.
Enter an amount, for example 250,000 or 250k.
Everything else
ISAs, investment accounts, cash and bonds.
Enter an amount, for example 650,000 or 650k.
Second homes, business interests, valuables.
Enter an amount, for example 200,000 or 200k.
Loans and other borrowing, excluding the mortgage.
Enter an amount, for example 20,000 or 20k.
Three last things
Larger gifts only; they use up the nil-rate band first. Regular gifts from income and small gifts can be exempt.
Enter an amount, for example 100,000 or 100k.
A worked example. A couple aged 68 and 66 with two children: home £1,100,000, pension funds £850,000, investments £650,000.
Today's rules
£0
Inheritance tax due
Your family receives £0
From 6 April 2027
£0
Inheritance tax due
Your family receives £0
What this means for you
Your priority
Also worth reviewing
Questions to take to an adviser
How the figures are built
Rules for 2026/27, checked against HMRC guidance on 23 September 2026. Allowances are frozen until 5 April 2031.