{"id":300,"date":"2017-03-14T15:13:33","date_gmt":"2017-03-14T15:13:33","guid":{"rendered":"http:\/\/minddigital.net\/step\/?p=300"},"modified":"2026-05-07T15:38:04","modified_gmt":"2026-05-07T15:38:04","slug":"prepare-inheritance-tax","status":"publish","type":"post","link":"https:\/\/advisingfamilies.org\/uk\/information-portal\/planning-ahead\/prepare-inheritance-tax\/","title":{"rendered":"How can I prepare for inheritance tax?"},"content":{"rendered":"<p><strong>Last updated: May 2026<\/strong><br \/>\n<strong>Read time: three minutes\u00a0<\/strong><\/p>\n<p>Inheritance tax is a 40% tax on your estate (your property, money and possessions), which is charged when you die. In most cases you only have to pay it if your estate is worth more than \u00a3325,000.<\/p>\n<p>If your estate is likely to exceed this, there are some steps you can take to prepare for inheritance tax, and to ensure more of what you own goes to your loved ones.<\/p>\n<h2>Write a will<\/h2>\n<p>It\u2019s well worth <a href=\"https:\/\/advisingfamilies.org\/information-portal\/managing-money\/risks-not-making-will\/\">writing a will<\/a> for a number of reasons. A <a href=\"http:\/\/www.step.org\/advising-families\/find-a-tep\" target=\"_blank\" rel=\"noopener noreferrer\">professional advisor<\/a> can make sure that your will takes into consideration any tax benefits that are available to you. If any benefits are overlooked, your executors can amend the will after your death, with a <a href=\"https:\/\/advisingfamilies.org\/information-portal\/managing-money\/can-you-change-a-will-after-someone-has-died\/\">deed of variation<\/a>.<\/p>\n<h2>Work out the value of your estate<\/h2>\n<p>You\u2019ll need to work out how much your <a href=\"https:\/\/advisingfamilies.org\/information-portal\/managing-money\/how-do-i-value-my-estate\/\">estate is worth<\/a> to find out if you are going to be liable for inheritance tax. No tax is payable on the first \u00a3325,000, and this is known as the <span class=\"tooltips \" style=\"\" title=\"In the UK, the amount up to which there is no inheritance tax to pay on the value of the estate. The current amount is \u00a3325,000. For a married couple or civil partnership, the unused part of the nil-rate band can be transferred to their spouse\/partner on death, enabling the surviving spouse or civil partner to pass on a maximum of \u00a3650,000 tax free\">nil-rate band<\/span>. But if you\u2019re married, or in a civil partnership, you can pass your whole estate to your spouse or civil partner when you die, tax free. Your \u2018nil-rate band\u2019 then transfers to your spouse or civil partner, so when he or she dies, they will be able to pass on up to \u00a3650,000 tax free.<\/p>\n<h2>Inheritance tax benefits<\/h2>\n<p>Everybody gets an additional \u00a3175,000 free of inheritance tax to use against the value of their home, if it is left to children or grandchildren (2021-22 figures). As this allowance can be transferred to the second spouse\/civil partner, a married couple could leave their family a combined estate of up to \u00a31 million tax-free.<\/p>\n<p>Both the nil-rate band and <a href=\"http:\/\/advisingfamilies.org\/uk\/information-portal\/managing-money\/residence-nil-rate-band\/\">residence nil-rate band<\/a> will be frozen until 5 April 2026.<\/p>\n<h2>Other tax benefits<\/h2>\n<p>There are other benefits you can use, mainly by reducing the value of your estate. There is an annual exemption of \u00a33,000 that you can give away inheritance-tax free and you can give \u00a3250 to as many different people as you like. Donations to charities are tax free, as are wedding\/civil partnership gifts from parents (up to \u00a35,000) from grandparents (up to \u00a32,500) and from anyone else (up to \u00a31,000). You can make cash gifts larger than this, but you will need to survive seven years for them to be free from inheritance tax. the UK\u2019s tax authority, HM Revenue and Customs (HMRC), provides a <a href=\"https:\/\/www.gov.uk\/inheritance-tax\/gifts\" target=\"_blank\" rel=\"noopener noreferrer\">sliding scale<\/a> so you can work out how much tax is payable if you survive less than seven years.<\/p>\n<h2>Use a trust<\/h2>\n<p>If you can estimate the amount of money that you will need to pay for inheritance tax, you can arrange to hold a <a href=\"https:\/\/advisingfamilies.org\/information-portal\/managing-money\/can-use-trust-avoid-inheritance-tax\/\">lump sum on trust<\/a>. You can contribute the nil-rate band of up to \u00a3325,000 tax-free into a trust every seven years, and it will not be included in your taxable estate. The trust is during your lifetime.<\/p>\n<h2>Take out a life insurance policy<\/h2>\n<p>To minimise any impact on your loved ones, you can take out a life insurance policy to cover your inheritance tax bill, which will pay out on your death. As above, the policy would be held on trust so would not be taxable.<\/p>\n<h2>Use excess income<\/h2>\n<p>If you can spare some of your income without this affecting your quality of life, this is known as excess income. You are entitled to make gifts of money from your excess income to other people free of inheritance tax. However you must keep good records of your regular expenditure as well as the gifts made so that your executors can report them to HMRC and obtain the inheritance-tax exemption.<\/p>\n<h2>Give to charity<\/h2>\n<p>All gifts to charity are exempt from inheritance tax, but if you arrange to give 10% of your estate to charity (less the \u00a3325,000 nil-rate band) then you can pay 36% inheritance tax on your death instead of the usual 40%.<\/p>\n<h2>Get help<\/h2>\n<p>A <a href=\"http:\/\/www.step.org\/advising-families\/find-a-tep\" target=\"_blank\" rel=\"noopener noreferrer\">qualified advisor<\/a> will be able to assess your individual circumstances and advise on what you can do to prepare for inheritance tax.<\/p>\n<div id=\"s-share-buttons\" class=\"horizontal-w-c-circular s-share-w-c\"><a href=\"http:\/\/www.facebook.com\/sharer.php?u=https:\/\/advisingfamilies.org\/uk\/information-portal\/planning-ahead\/prepare-inheritance-tax\/\" target=\"_blank\" title=\"Share to Facebook\" class=\"s3-facebook hint--top\"><\/a><a href=\"http:\/\/twitter.com\/intent\/tweet?text=How can I prepare for inheritance tax?&url=https:\/\/advisingfamilies.org\/uk\/information-portal\/planning-ahead\/prepare-inheritance-tax\/\" target=\"_blank\"  title=\"Share to Twitter\" class=\"s3-twitter hint--top\"><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Last updated: May 2026 Read time: three minutes\u00a0 Inheritance tax is a 40% tax on your estate (your property, money and possessions), which is charged when you die. In most cases you only have to pay it if your estate is worth more than \u00a3325,000. If your estate is likely to exceed this, there are &hellip; <a href=\"https:\/\/advisingfamilies.org\/uk\/information-portal\/planning-ahead\/prepare-inheritance-tax\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">How can I prepare for inheritance tax?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":301,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[19,15,16],"tags":[29,73,71,57,74,72],"class_list":["post-300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-family-matters","category-life-after-death","category-planning-ahead","tag-charity","tag-gifts","tag-iht","tag-inheritance-tax","tag-life-insurance","tag-trusts"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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