Check your personal exposure to the April 2027 pension inheritance tax change in under two minutes. Enter your details below and see your estimated liability instantly — including the double taxation risk for those over 75, ISA misconceptions, and personalised alerts based on your specific situation.
Start with the five quick fields for an immediate estimate, or expand to the full calculator for greater accuracy.
What do my results mean?
● £0 result
You’re below the threshold
Your estate, including your pension, falls below your inheritance tax threshold. You may not need to act – but it’s still worth reviewing your expression of wishes and checking whether any alerts apply to you.
● A positive figure
You have an exposure
This is the estimated additional IHT your beneficiaries will pay on your pension from April 2027, over and above any IHT already due. It’s an illustrative estimate – your actual liability may be higher or lower.
● Double-tax warning
Urgent – act on this
Your age means beneficiaries may pay income tax on top of IHT on your pension – potentially up to 67% combined. This is one of the most important issues to address, and the sooner the better.
Important: This calculator produces estimates only. Your actual IHT position depends on many factors not captured here – the exact composition of your estate, the value of assets at the date of death, and decisions made by pension trustees. Always take personalised advice from a regulated financial adviser before making decisions.
Important: This calculator produces estimates only. Your actual IHT position depends on many factors not captured here, including the exact composition of your estate, the value of assets at date of death, and decisions made by pension trustees. Always take personalised advice from a regulated financial adviser before making decisions.
Frequently asked questions
Worried about your number?
We’ll connect you with a regulated, independent financial adviser for a free initial conversation. No obligation, no jargon, no sales pressure.
No. The calculator runs entirely in your browser. No data you enter is stored, recorded, or sent to us unless you choose to submit your email address.
The calculator uses standard nil-rate bands and simplified assumptions to produce illustrative estimates. It does not account for all possible exemptions, reliefs, or specific scheme rules. For accuracy, use the full calculator with all fields completed and discuss your results with a regulated financial adviser.
Enter your DC pension value in the pension field. Your DB pension should generally not be included — it does not leave a pot that faces IHT in the same way. However, if your DB scheme offers a discretionary lump sum death benefit, speak to your scheme administrator about whether it would be affected.
Yes — a common misconception. Your ISA is tax-free during your lifetime, but its value is included in your estate for IHT when you die. The ISA wrapper does not transfer to beneficiaries, except to a surviving spouse.
No. Pension2027 is an information service and is not regulated by the FCA. The calculator gives illustrative estimates only. For a personalised assessment, we can connect you with a regulated independent financial adviser.
