What your estate is worth at the age you plan to, the inheritance tax on it under the rules as they will stand — pensions included from April 2027 — and what your family actually receives after tax. Gifts, the seven-year clocks, the £2m taper on the home allowance and a couple's two deaths are all in the same cash-flow, not a separate calculator.
Money Horizon › Understand
Understand
What will my family receive?
Chapters on this page
1
How the bill is worked out
The estate less the allowances, then the tax; the bill at every age; the bill weighted by when you might die.
2
The sums, line by line
Every figure built up step by step, with what each lever contributes.
3
The £2m taper on the home allowance
When the residence nil-rate band starts to shrink and what it costs.
4
Gifts and the 7-year clocks
Every gift, its taper, when it leaves the estate; the safe amount to give each year without hurting the plan.
5
Two deaths and the survivor
Spouse exemption, transferred bands and the survivor's income, for couples.
Related
Not advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser.