Nil-rate bands frozen since 2009 — most unused pension funds join inheritance tax from April 2027
Tallyline ADVISORY
Inheritance tax & estate planning

See how much of your estate goes to your family, not the taxman — in two minutes, without the jargon or the sales pitch.

Your two-minute estimate
01 — Savings & investments

Your savings and investments

Start with the figures you can check quickly — rough amounts are fine.

0 of 3 complete

02 — Property & borrowing

Your home and borrowing

Two quick questions — you’ll only see an amount box when it applies.

Estate before allowances£0

Answer both questions to continue.

03 — Allowances

Which allowances may apply?
Marital status
Leaving your main home to children or grandchildren?
Do you intend to leave money to charity?
A preview of what's in the guide
Nil-rate band — £325,000 per person
Residence band — +£175,000 to descendants
Spousal transfer — doubles unused allowance
7-year gifting rule — gifts fall outside estate
Why this matters now

The numbers behind the urgency

£8.5bn

Inheritance tax collected by HMRC in 2025/26 — a record, and the fifth consecutive annual high.

4% → 7%

Share of estates paying inheritance tax today, forecast by the IFS to rise to around 7% by 2032 as thresholds stay frozen.

£34,000

Average extra tax forecast per estate once pensions join the taxable estate from April 2027.

Sources: HMRC receipts data, Office for Budget Responsibility.

Before you enquire

Frequently asked questions

Is this a formal inheritance tax calculation?

No — it's a fast estimate based on the details you enter and this year's thresholds. It doesn't account for lifetime gifts, trusts, or business and agricultural reliefs. A specialist reviews the full picture before anything formal happens.

What happens to my email address?

It's used to send the allowances guide and specialist checklist, and nothing else. Tallyline doesn't sell or share your details.

Will I be pushed toward a sale?

No. If you don't want an introduction to a specialist, you won't get one — the guide and checklist are yours either way.

Who would I actually speak to?

It depends on your situation — a tax adviser, private-client solicitor, financial adviser, or a combination. Tallyline makes the right introduction once you know you want one.

Know your number before it becomes urgent.

No spam, no sales calls. If you don't want an introduction, you won't get one.