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Crypto Inheritance Tax calculator

Estimate the Inheritance Tax on your estate, including your crypto, with HMRC's allowances for 2026/27. Round numbers are fine, and nothing you type leaves this page.

What you own
£

The total value of all your crypto today. Not sure? The free planner adds it up for you.

£
£
£

Counts towards your estate from 6 April 2027. Leave out death-in-service benefits.

£

Other property, cars, valuables, life insurance not written in trust.

What you owe
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£
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Who it goes to
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If so, you can usually use their unused tax-free allowances too.

Estimated Inheritance Tax £0

Add your figures to see an estimate.

    The tax is only half of it. Your family also has to find and claim the crypto. The Inheritance Plan adds a recovery guide for every wallet and account, a logins and 2FA sheet, and a letter to your executor.

    See an example plan

    A rough estimate using HMRC's published allowances for 2026/27: a £325,000 nil-rate band, up to £175,000 residence nil-rate band, and a 40% rate (36% with enough left to charity). It includes unused pension pots under the rules from 6 April 2027. It doesn't include gifts made in the last seven years, trusts, or business and farm relief. It isn't tax advice; a solicitor or accountant can give you an exact figure.

    How crypto is taxed when you die

    What's an estate? Your estate is everything you own when you die, minus what you owe. That means your home, savings, pensions, belongings and crypto, less debts like a mortgage or credit cards. Inheritance Tax is worked out on the whole estate, not on each thing separately.

    In the UK, crypto is part of your estate like anything else you own. It counts towards Inheritance Tax at its value in pounds on the date you die, not what you paid for it. Your executor has to find it, value it and include it when they report the estate to HMRC.

    The tax-free allowances

    • Nil-rate band: the first £325,000 of an estate is tax-free.
    • Residence nil-rate band: up to £175,000 more when your home goes to your children or grandchildren. It shrinks by £1 for every £2 an estate is over £2 million.
    • Husbands, wives and civil partners: anything you leave to them is tax-free, and your unused allowances can pass to them. A married couple can leave up to £1 million tax-free.
    • Charity: gifts to charity are tax-free, and leaving at least 10% of the taxable estate to charity cuts the rate from 40% to 36%.

    Pensions count from April 2027

    From 6 April 2027, most unused pension pots count towards your estate for Inheritance Tax. For many people this pushes an estate over the tax-free limit for the first time, so it's worth adding your pension above even if you've never had to think about Inheritance Tax before.

    What if nobody can get into the crypto?

    HMRC still expects it to be reported. If a wallet can't be opened because the recovery phrase is lost, your family may end up explaining this to HMRC for crypto they can never use. A clear plan is the difference between inheriting your crypto and losing it. Read more in Does crypto count for Inheritance Tax? and What happens to crypto when you die.

    Make a list your family can follow

    The free planner lists every wallet and exchange account you hold, shows the total in pounds, and records where each recovery phrase is kept, without ever asking for the words themselves.

    Try the free planner