IHT Calculator

This calculator has been created to help advisers and their clients explore potential IHT liabilities with ease.

Using our IHT Calculator is quick, simple and designed with financial advisers and their clients in mind. By inputting key details such as property value, investments, and cash, you can instantly see an illustration of your client’s potential IHT liability both with and without any new investments into Business Relief (BR) qualifying assets.

This is an invaluable starting point for discussions around estate planning and can help identify opportunities to reduce or even eliminate an IHT bill through careful structuring and use of reliefs. The calculator factors in the available Nil-Rate Band (NRB) and Residence Nil-Rate Band (RNRB), making it easy to see how much of an estate could be protected from IHT.

While the calculation is based on current legislation and thresholds, tax rules can change, and every client’s circumstances are unique. For a tailored review and to explore proven strategies for mitigating Inheritance Tax, our experts at Stellar are here to help.

Client's Estate

To get started, please input your client's estate value and growth assumptions split between the following asset classes.

Main Residence Property Value:

Investments Value:

Cash Value:

Pension Value (Post 5 April 2027):

Property Value Growth Assumption (%):

Investments Value Growth Assumption (%):

Cash Value Growth Assumption (%):

Pension Value Growth Assumption (%):

Estate Value:

Nil-Rate Bands (NRB)

Please input your client's available Nil-Rate bands. Typically this will be 100% (for a single person), or 200% (for married couples/civil partners on second death).

Available % of Standard NRB:

Available % of Residence NRB:

Potential Tax Savings from Business Relief

Finally, please input how much of your client's portfolio you would like to see invested into either Unquoted (Asset Backed) or AIM qualifying investments for the illustration as well as your growth assumptions. It is assumed this will be funded from the estate, either from Cash for Investments. E.g if you wanted to invest £1,000,000 into Unquoted (Asset Backed) Business Relief Investment using Cash, you would enter £1,000,000 into both the Unquoted (Asset Backed) and Cash boxes.

Unquoted Business Relief Investment:

AIM Business Relief Investment:

Growth Assumption (%):

How funded?

Cash Funded Business Relief Investment:

Investment Funded Business Relief Investment:

Calculate IHT Liability

Please enter your details to view the results.

Your Results

Net estate passed down both with and without BR investments.

Total IHT liability payable

Financial Year	Standard NRB	Residence NRB	Estate Value	IHT Liability without BR

Financial Year	Standard NRB	Residence NRB	Estate Value with BR	IHT Liability with BR

Financial Year	Take Without BR	Take with BR	Difference

Financial Year	IHT Liability with BR	IHT Liability without BR	Difference

	NRB					Exclusive of BR Investment						Inclusive of BR Investment									Summary
Financial Year	NRB	Standard NRB	RNRB	Max potential RNRB	Available RNRB	Property	Investments	Cash	Pension	Estate Value	IHT Liability without investing into BR qualifying assets	Unquoted	AIM	Cash	Investments	Adjusted Cash	Adjusted Investments	Adjusted Estate Value	IHT Liability with BR qualifying investments	Clients Net Take Home without BR investment	Client Net Take Home with BR investment	Difference

Inheritance tax can be complex, and this calculator is designed to give you a clearer view of some of the key factors involved. It has been created with care, based on our understanding and interpretation of current legislation. Please note, we do not offer tax advice. While the calculator aims to provide a simplified illustration of potential inheritance tax implications, it should not replace professional guidance. The calculator also does not consider individual income or spending patterns, which can impact the overall value of an estate over time.

The output of the calculator is based on current legislation, which may be subject to change. This is for illustrative purposes only and does not constitute advice. This calculator is provided for illustrative purposes only and does not constitute advice by Stellar Asset Management Limited (‘Stellar’) and should not be taken as a basis for investment. Independent tax advice should be obtained and Stellar does not warrant that this calculator is free from error.

The mix of investments does not change from the initial investment beyond the growth assumptions entered above.

New investments into BR qualifying assets are made today.

All new investments into BR qualifying assets do not qualify for replacement relief, and will take 2 years from initial investment to qualify. Both client (and spouse) are UK domiciled.

The total estate value input is net of any charitable donations to be made.

The client is leaving less than 10% of their estate to charity.

Property value relates to a single property that should qualify for Residence NRB.

No downsizing of the property will take place.

Current investments do not qualify for BR.

Current investments do not include any PETs.

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