Biggest UK pension tax change in a decade
Your pension is no longer tax-free to pass on.
From 6 April 2027, unused pension pots become part of your taxable estate — subject to 40% inheritance tax. Most families are completely unprepared.
89%
of adults unaware of the change
Source: Standard Life, 2026
40%
tax rate on pension wealth above threshold
Source: HMRC from April 2027
38,500
estates expected to face higher bills
Source: Gov’t estimates
£1.5bn
HMRC expects to raise annually by 2030
Source: OBR costings
Illustrative estimate only. Not financial advice. Single person, standard nil-rate bands assumed. Thresholds correct June 2026.
how our website works
Clarity in three steps
Check your exposure
Use our free calculator to see how the 2027 change affects your specific estate — pension, property, savings and all.
Understand your options
Read our plain-English guides on mitigation strategies — from gifting to life insurance in trust — with worked examples.
Speak to an adviser
When you’re ready, we’ll connect you with a regulated IFA for a free initial conversation. No obligation, no jargon.