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Як розрахувати Inheritance Tax

Що таке Inheritance Tax?

Inheritance Tax (IHT) is charged at 40% on the value of an estate above the nil-rate band thresholds. The standard nil-rate band is £325,000. An additional residence nil-rate band of £175,000 applies when a main home is left to direct descendants. Married couples can transfer unused allowances to their surviving spouse.

Формула

IHT = 40% × (estate value − total nil-rate bands)
IHT
40% × (estate value − total nil-rate bands) — 40% × (estate value − total nil-rate bands)

Покрокова інструкція

  1. 1IHT = 40% × (estate value − total nil-rate bands)
  2. 2Standard nil-rate band: £325,000 (frozen until 2028)
  3. 3Residence nil-rate band (RNRB): £175,000 — for a main home left to children, grandchildren etc.
  4. 4Married couples / civil partners: unused nil-rate bands transfer to survivor, potentially doubling to £650,000 + £350,000 RNRB = £1,000,000
  5. 5Annual gift allowance: £3,000/year gifted is exempt · gifts from normal income are exempt · other gifts are potentially exempt if survived 7 years

Розв'язані приклади

Введення
Estate £500,000, includes property, single
Результат
£0 IHT
£325K + £175K RNRB = £500K — exactly covered
Введення
Estate £800,000, includes property, single
Результат
£120,000 IHT
Taxable: £800K − £500K = £300K × 40% = £120,000
Введення
Estate £1.5M, married (transferred allowances)
Результат
£200,000 IHT
Allowance: £1M. Taxable: £500K × 40% = £200,000

Часті запитання

What is Inheritance Tax?

Inheritance Tax (IHT) is charged at 40% on the value of an estate above the nil-rate band thresholds. The standard nil-rate band is £325,000

How accurate is the Inheritance Tax calculator?

The calculator uses the standard published formula for inheritance tax. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

What units does the Inheritance Tax calculator use?

This calculator works with inches, British pounds, percentages. You can enter values in the units shown — the calculator handles all conversions internally.

What formula does the Inheritance Tax calculator use?

The core formula is: IHT = 40% × (estate value − total nil-rate bands). Each step in the calculation is shown so you can verify the result manually.

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