Could the 2027 Pension Changes Cost Your Family Thousands?
Find out in 60 seconds what the new inheritance tax rules mean for you.
Your Estate
Approximate values are fine — this is an estimate.
£
£
£
Your Pension
This is the key change coming in April 2027.
£
Include all pensions — workplace, private, SIPPs
Your Situation
This affects your available exemptions.
Yes
No
Yes
No / Not sure
Your IHT Estimate
Current rules vs. after April 2027
Current Rules
£0
Without pension
From April 2027
£0
Pension included
Additional IHT your family could pay
£0
at 40% on your pension above the threshold
How we calculated this
Total estate (excl. pension)£0
Less debts-£0
Net estate£0
Pension pot£0
Available nil rate band£0
Residence nil rate band£0
Total IHT from April 2027£0
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This calculator provides an estimate based on current known rules and the proposed April 2027 changes.
It is not financial advice. Your actual IHT liability will depend on your personal circumstances,
available reliefs, and the final legislation. For personalised guidance, book a free Prosperity Review
with Nicole Bremner. Calculator does not account for spouse exemption on first death, lifetime gifts,
business/agricultural relief, or trust arrangements.