UK Inheritance Tax Exposure Checker for Expats

Free tool

UK Inheritance Tax Exposure Checker

See whether the new residence-based rules put your worldwide estate in scope, and get an indicative figure.

Your UK residence history

Do you currently live in the UK?

How many of the last 20 tax years were you UK resident?

10 or more puts your worldwide estate in scope (the long-term residence test).

In total, how many years were you UK resident before leaving?

This sets how long your exposure continues after you leave (the tail).

How many years ago did you leave the UK?

Your estate

Value of your UK-based assets (£)

Include UK property, UK bank and investment accounts, and your UK pensions (from 6 April 2027 unused pensions count toward your estate, so include them here). These are generally in scope wherever you live.

Value of your assets held outside the UK (£)

Overseas property, offshore investments, other non-UK accounts.

Are you married or in a civil partnership?

Couples can pass on unused allowances, potentially doubling them.

Will your main home pass to your children or grandchildren?

Unlocks the residence nil-rate band (up to £175,000 each), tapered away for estates over £2m.

How this works

The checker applies the long-term residence test (UK resident for 10 or more of the previous 20 tax years), the tail of continued exposure after leaving the UK, the £325,000 nil-rate band and £175,000 residence nil-rate band with its taper above £2m, transferable allowances for married couples, and the inclusion of unused pensions from April 2027.

It is a high-level estimate to help you understand your position. It is not tax advice, and it does not model every relief or structure. For a full assessment, our guide to UK inheritance tax for expats covers the detail, and a consultation will give you a precise picture.