--- title: Inheritance Calculator description: Welcome to Oros Consultancy image: https://www.oros-consultancy.co.uk/hubfs/oros%20image.jpg --- [Skip to content](https://www.oros-consultancy.co.uk/inheritance-calculator#main-content) ![OROS Master Logo](https://www.oros-consultancy.co.uk/hubfs/OROS%20Master%20Logo.svg)Homepage - [Home](https://www.oros-consultancy.co.uk?hsLang=en-gb) - [About You](https://www.oros-consultancy.co.uk/about-you?hsLang=en-gb) - [In Your 20s](https://www.oros-consultancy.co.uk/in-your-20s?hsLang=en-gb) - [In Your 30s and 40s](https://www.oros-consultancy.co.uk/in-your-30s-and-40s?hsLang=en-gb) - [In Your 40s to 55](https://www.oros-consultancy.co.uk/in-your-40s-to-55?hsLang=en-gb) - [In Your 55 to 65](https://www.oros-consultancy.co.uk/in-your-55-to-65?hsLang=en-gb) - [In Your 65 to 75](https://www.oros-consultancy.co.uk/in-your-65-to-75?hsLang=en-gb) - [Age 75 and Beyond](https://www.oros-consultancy.co.uk/age-75-and-beyond?hsLang=en-gb) - [Our Services](https://www.oros-consultancy.co.uk/our-services?hsLang=en-gb) - [Physical Assets](https://www.oros-consultancy.co.uk/physical-assets?hsLang=en-gb) - [Private Equity](https://www.oros-consultancy.co.uk/private-equity?hsLang=en-gb) - [Tax Efficient Investments](https://www.oros-consultancy.co.uk/tax-efficient-invesments?hsLang=en-gb) - [Real Estate](https://www.oros-consultancy.co.uk/real-estate?hsLang=en-gb) - [Fixed Income](https://www.oros-consultancy.co.uk/fixed-income?hsLang=en-gb) - Insights - [Pension Contribution Calculator](https://www.oros-consultancy.co.uk/pension-contribution-calculator?hsLang=en-gb) - [Pension Drawdown Calculator](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1?hsLang=en-gb) - [Inheritance Calculator](https://www.oros-consultancy.co.uk/inheritance-calculator) - [Compound Growth Calculator](https://www.oros-consultancy.co.uk/compound-growth-calculator?hsLang=en-gb) - [Latest Market News](https://www.oros-consultancy.co.uk/articles/tag/latest-market-news?hsLang=en-gb) - [Educational Articles](https://www.oros-consultancy.co.uk/articles/tag/educational-article?hsLang=en-gb) - [Fees & Charges](https://www.oros-consultancy.co.uk/fees-and-charges?hsLang=en-gb) - [Contact](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) [Sign Up For Our Newsletter](https://2f7yes.share-eu1.hsforms.com/2oYnnmG0gSLa4egDJUr681g) - [Home](https://www.oros-consultancy.co.uk?hsLang=en-gb) - [About You](https://www.oros-consultancy.co.uk/about-you?hsLang=en-gb) - [In Your 20s](https://www.oros-consultancy.co.uk/in-your-20s?hsLang=en-gb) - [In Your 30s and 40s](https://www.oros-consultancy.co.uk/in-your-30s-and-40s?hsLang=en-gb) - [In Your 40s to 55](https://www.oros-consultancy.co.uk/in-your-40s-to-55?hsLang=en-gb) - [In Your 55 to 65](https://www.oros-consultancy.co.uk/in-your-55-to-65?hsLang=en-gb) - [In Your 65 to 75](https://www.oros-consultancy.co.uk/in-your-65-to-75?hsLang=en-gb) - [Age 75 and Beyond](https://www.oros-consultancy.co.uk/age-75-and-beyond?hsLang=en-gb) - [Our Services](https://www.oros-consultancy.co.uk/our-services?hsLang=en-gb) - [Physical Assets](https://www.oros-consultancy.co.uk/physical-assets?hsLang=en-gb) - [Private Equity](https://www.oros-consultancy.co.uk/private-equity?hsLang=en-gb) - [Tax Efficient Investments](https://www.oros-consultancy.co.uk/tax-efficient-invesments?hsLang=en-gb) - [Real Estate](https://www.oros-consultancy.co.uk/real-estate?hsLang=en-gb) - [Fixed Income](https://www.oros-consultancy.co.uk/fixed-income?hsLang=en-gb) - Insights - [Pension Contribution Calculator](https://www.oros-consultancy.co.uk/pension-contribution-calculator?hsLang=en-gb) - [Pension Drawdown Calculator](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1?hsLang=en-gb) - [Inheritance Calculator](https://www.oros-consultancy.co.uk/inheritance-calculator) - [Compound Growth Calculator](https://www.oros-consultancy.co.uk/compound-growth-calculator?hsLang=en-gb) - [Latest Market News](https://www.oros-consultancy.co.uk/articles/tag/latest-market-news?hsLang=en-gb) - [Educational Articles](https://www.oros-consultancy.co.uk/articles/tag/educational-article?hsLang=en-gb) - [Fees & Charges](https://www.oros-consultancy.co.uk/fees-and-charges?hsLang=en-gb) - [Contact](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) [Sign Up For Our Newsletter](https://2f7yes.share-eu1.hsforms.com/2oYnnmG0gSLa4egDJUr681g) ![iStock-1399376478 Large](https://www.oros-consultancy.co.uk/hs-fs/hubfs/iStock-1399376478%20Large.jpeg?width=1280&height=846&name=iStock-1399376478%20Large.jpeg) ## Inheritance Tax Calculator Discover how much of your estate could be subject to inheritance tax — and where the opportunities to reduce it lie. Our UK IHT calculator accounts for nil-rate bands, residence allowances, seven-year gift rules, and spouse exemptions to give you a comprehensive pro estimate. [Explore more](https://www.oros-consultancy.co.uk/inheritance-calculator#callback) # How much of your estate will HMRC take — and how much can you protect? ### For most estates, inheritance tax is far more avoidable than people realise — if you plan early enough With the right planning, many estates can significantly reduce — or even eliminate — their IHT liability. But the rules are complex: nil-rate bands, the residence nil-rate band, the seven-year clock on gifts, surplus income exemptions, and charitable legacy relief all interact in ways that aren't obvious. This calculator models your full estate position using current HMRC rules, so you can see exactly where your exposure sits and what levers are available to you before engaging a specialist. - Your estimated IHT liability based on total estate value, debts, and applicable nil-rate bands - The impact of leaving your home to direct descendants via the Residence Nil-Rate Band - Add a list item here.How gifts made in the last seven years affect your taxable estate - Whether charitable legacies qualify your estate for the 36% reduced IHT rate - The benefit of transferring any unused nil-rate band from a deceased spouse or civil partner ## UK Inheritance Tax Calculator (Pro Estimate) Total estate value (£) Debts & funeral costs (£) Main residence value included (£) Home left to direct descendants (enables Residence Nil-Rate Band) Spouse/civil partner exemption amount (£) Charitable legacy amount (£) Unused Nil-Rate Band transferred (%) Unused Residence Nil-Rate Band transferred (%) **Tax-year gifts (last 7 years)** Annual exemption is applied per tax year (6 Apr–5 Apr), with unused amount carried forward *one year only* and used first. “Small gifts” are modelled as each row representing gifts to *different recipients* (HMRC rules also depend on whether another exemption was used for the same recipient). Annual exemption per tax year (£) Auto-apply annual exemption to “None” gifts (oldest tax years first) | Tax year | Amount (£) | Years before death | Type / exemption | Recipients (small gifts) | Wedding limit | Out of surplus income? | Note |   | | --- | --- | --- | --- | --- | --- | --- | --- | --- | Add gift Clear gifts **Gifts out of surplus income (per tax year)** This exemption can apply when gifts are part of normal expenditure, made out of income, and leave enough to maintain the donor’s usual standard of living. This calculator uses a simple surplus test per year (income − normal expenditure). | Tax year | Net income (£) | Normal expenditure (£) | Surplus (£) | Gifts marked “out of income” (£) | Exempt via surplus income (£) | | --- | --- | --- | --- | --- | --- | Add tax year row Sync years from gifts Reset ### Results Estimated IHT due (estate + gifts) — — Estate IHT — — Gifts IHT (after exemptions + taper) — — Bands used — — 36% reduced rate test (approx.) — — Gift breakdown — NRB assumed £325,000; RNRB assumed £175,000 with £2m taper (1 for every 2 over). Small gifts and annual exemption rules are simplified for UX. For “out of income”, keep records (HMRC forms often use detailed schedules). About us ## About Oros --- #### Our mission is to provide individual investors with institutional and professional investor level access, and to give independent business owners the same tools as national corporates. #### We want an even playing field. Oros Consultancy is not a financial advisory or tax advisory firm, we are an educational platform, introducer and an access provider to open previously locked doors to individual investors and business owners. Our Services --- ## How the Oros Consultancy process works [Let's build your next chapter](https://www.oros-consultancy.co.uk/inheritance-calculator#callback) ![operator](https://www.oros-consultancy.co.uk/hubfs/operator.svg) ### Step 1 Arrange a free introductory call ![meeting](https://www.oros-consultancy.co.uk/hubfs/meeting.svg) ### Step 2 We get to know you and your situation ![certificate](https://www.oros-consultancy.co.uk/hubfs/certificate.svg) ### Step 3 We design a plan to meet your needs ![flying](https://www.oros-consultancy.co.uk/hubfs/flying-1.svg) ### Step 4 You decide whether to proceed or not ## Request a call back #### Ready to Elevate your business? 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