Your pension is no longer tax-free to pass on.
From 6 April 2027, unused pension pots become part of your taxable estate — subject to 40% inheritance tax. Most families are completely unprepared.
Enter your email to receive your personalised planning guide.
Illustrative estimate only. Not financial advice. Single person, standard nil-rate bands assumed. Thresholds correct June 2026.
89%
of adults unaware of the change
Source: Standard Life, 2026
40%
tax rate on pension wealth above threshold
Source: HMRC from April 2027
38,500
estates expected to face higher bills
Source: Gov’t estimates
£1.5bn
HMRC expects to raise annually by 2030
Source: OBR costings
Clarity in three steps
Check your exposure
Use our free calculator to see how the 2027 change affects your specific estate — pension, property, savings and all.
Understand your options
Read our plain-English guides on mitigation strategies – from gifting to life insurance in trust, all with examples.
Speak to an adviser
When you’re ready, we’ll connect you with a regulated IFA for a free initial conversation. No obligation, no jargon.
Popular guides
Plain-English answers to the questions people ask most about the 2027 change.
