The Pension & Inheritance Tax Map UK — your pension counts for Inheritance Tax from April 2027 (2026/2027 Edition)

Does this sound familiar?

Nobody explained this to you properly

"Does my pension count or not?" Mine's a SIPP. My husband's is a final salary. Nobody gives a straight answer.

"Should I take my 25% now, before April?" Everyone at the golf club seems to be doing it. You're not sure why.

"I thought we were under the threshold." The house and the savings were fine. Add the pension and you're over £1 million.

"Nil-rate band, residence band, 7-year rule…" You mix them all up, and every article assumes you already know.

"My children won't know where anything is." And from 2027 they'll have six months to sort it out.

Inheritance Tax is a sum with a few rules and a deadline. Nobody drew it for you. Here it is, one sheet at a time.

50 visual sheets · 9 blocks

Every rule your family needs, in the order you need it

One idea per sheet, real 2026/27 numbers in pounds, worked examples, and a green "Your move" box at the bottom so you act instead of just reading. Large, clear type made for printing.

Sheet 19: the 7-year rule and taper relief

Sheet 44: your pension and estate ID card

Sheets 08 (which pensions are caught) · 19 (the 7-year rule, drawn) · 33 (who pays the pension's share) · 44 (your pension & estate ID card)

What makes it easy

Built to be understood the first time

Plain English, big type

Short sentences, every term translated on the same line. Made for a cup of tea, not a dictionary.

Green, amber, grey

Green = law, amber = announced at the 28 Oct 2026 Budget, grey = HMRC guidance to come. You know how solid each number is.

Real families, real sums

Margaret (widow, Cheltenham), David & Linda (Leeds), Robert (London): every pound worked out, marked as examples.

For you and your executor

A whole block for the son or daughter who'll be executor: the 6-month timeline, the notices, the split.

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Who it's for

This map is for you if you…

Have a SIPP, drawdown or workplace pension and want to know what April 2027 changes for your family

Are married or in a civil partnership and want to see the second-death number

Are single, widowed, divorced or not married to your partner and want to know which allowances you really have

Are deciding about your tax-free cash, drawdown or an annuity

Want to help children or grandchildren now (deposits, school fees, regular gifts) the legal way, with the records

Are the son or daughter who'll be executor one day

Have an adviser and want to arrive prepared

Pension holders

Couples

Widows & widowers

Grandparents

Future executors

This map is NOT for you if:

Your only pensions are the State Pension and a final-salary (DB) pension with no private pot. The 2027 rule mostly doesn't touch them (sheet 08 explains)

You want individual advice or someone to manage your money. This is an educational guide; use a regulated adviser

You're looking for schemes to "remove" your pension from Inheritance Tax. We explain the legal allowances, not loopholes

Covers England, Wales, Scotland and Northern Ireland (Inheritance Tax is UK-wide; Scottish income tax and "confirmation" noted where they differ).

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A look inside

What it looks like on the inside

Sheet 07

The 2027 rule on one page

What's caught, from when, who pays and what's still exempt, on six cards – plus the government's own numbers.

Sheet 25

Your family's number in 7 steps

Home, savings, pensions, allowances, 40% – and the pension's share. Example: David & Linda, £94,000.

Sheet 25: estimate your family number in 7 steps

Sheet 21

Gifts out of income, unlimited

The 3 conditions HMRC checks, what counts as income and the record your executor will need.

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AND IT DOESN'T STOP THERE… THERE'S MORE!

Included with the Complete Map

🎁 4 free bonuses included

At no extra cost with the Complete Map.

Total bonus value~~£53~~FREE

01Bonus 1FREE

The Pension & IHT Calendar 2026/27 & 2027/28

Pension & IHT Calendar 2026–28

Every key date, Nov 2026 – Apr 2028.

4 pagesPrintable

Value: ~~£15~~Included FREE

02Bonus 2FREE

The Yearly Estate Check-in

12 checks, 30 minutes every April.

3 pagesTraffic-light

Value: ~~£12~~Included FREE

03Bonus 3FREE

Pension & IHT Words, Translated

About 40 terms, one plain line each.

4 pagesA to Z

Value: ~~£12~~Included FREE

04Bonus 4FREE

The Gift & Income Log 2026/27

7 years of gifts + the income ledger.

16 pagesPrintable

Value: ~~£14~~Included FREE

⚡ Launch offer

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🏷️ Launch price2026/27 Edition

Complete

The Pension & Inheritance Tax Map+ 4 free bonuses

+4 bonuses included free

The complete map: 50 sheets, 9 blocks
The 2027 rule: what's caught, the 67%
Your choices: the 25%, drawdown
Gifts the legal way: 7-year rule, £3,000
For your family: executor's 6 months
Watch list: dates to comeINCLUDED
Bonus 1: IHT Calendar 2026–28FREE
Bonus 2: Yearly Estate Check-inFREE
Bonus 3: IHT Words, TranslatedFREE
Bonus 4: The Gift & Income LogFREE

Total value ~~£77~~ — launch price:

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The Pension & Inheritance Tax Map (50 sheets)
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Do the math

An adviser's meeting vs. this map

The average Inheritance Tax bill is £231,000 (HMRC statistics, 2023-24).

Advice first

£500–£2,000

often, for a solicitor's will and trust review. Ongoing advice is usually a percentage of your money, every year.

You still mix up the bands and the 7-year rule
The first meeting is spent explaining the basics
Nobody leaves your children a plan for the six months that matter

The Map

£24, once

The Pension & Inheritance Tax Map

You understand the rules before you pay anyone
You arrive with your number and 10 good questions (sheet 43)
Your family gets a folder, not a shoebox

The map doesn't replace a regulated adviser or solicitor. It makes every hour with them count.

3 example families from the map:

ExampleM

Margaret, 72Widow · CheltenhamHouse £450,000, savings £120,000, SIPP £520,000

£36,000if she dies after 6 Apr 2027 · today £0

ExampleD&L

David & Linda, 66 and 64Leeds · pensions £750,000 between themSecond death

£94,000from 2027 · today £0

ExampleR

Robert, 69Divorced · LondonFlat £650,000, SIPP £450,000

£264,000from 2027 · today £84,000

Example figures from the map, 2026/27 allowances, Inheritance Tax only. Your numbers will be different.

Questions

Frequently asked questions

Is this financial advice?

No. It's an independent educational guide to the UK rules for 2026/27 and what's already announced for 2027/28, based on public HMRC and GOV.UK publications. It isn't regulated advice. It shows you the rules and helps you prepare for a regulated adviser or solicitor.

Is it for me or for my parents?

Both. Blocks 1–5 are for the person with the pension; Block 6 and the folder pages are for the son or daughter who'll be executor. Many buyers share it.

Does my final-salary (DB) or NHS pension count?

Usually not: a spouse's or dependant's pension paid by a DB scheme is outside the new rule. Sheet 08 has the full table, including death-in-service and annuities.

Does it cover Scotland, Wales and Northern Ireland?

Yes. Inheritance Tax is UK-wide. Where things differ (Scottish income tax rates, "confirmation" instead of probate) the sheet says so.

HMRC hasn't published its final guidance. Will this go out of date?

The rule itself is law (Finance Act 2026). The details HMRC still has to publish are on a dated watch list (sheet 46). When the guidance arrives (expected spring 2027), we send you the updated edition free.

Will it tell me exactly what my family will pay?

It shows you how to estimate it in 7 steps with your own numbers. Your adviser confirms the final figure.

Should I take my 25% tax-free cash before April 2027?

The map shows the honest numbers for each choice (Block 3). It won't tell you what to do. That depends on your income, health and family, and is a conversation for your adviser or Pension Wise (free).

What format is it?

A PDF in A4 with large type: about 54 pages (50 one-page sheets, "Start here", the watch list and sources). Reads well on a tablet and prints at home. The 4 bonuses are PDFs too. Right after checkout you get an email with your access.

Can I get a refund?

Yes. You have 30 days. If the map isn't for you, email us and you get 100% back.

From April 2027, your pension counts for Inheritance Tax. See what it means for your family.

Nobody explained this to you properly

Every rule your family needs, in the order you need it

Built to be understood the first time

Plain English, big type

Green, amber, grey

Real families, real sums

For you and your executor

This map is for you if you…

This map is NOT for you if:

What it looks like on the inside

The 2027 rule on one page

Your family's number in 7 steps

Gifts out of income, unlimited

🎁 4 free bonuses included

Pension & IHT Calendar 2026–28

The Yearly Estate Check-in

Pension & IHT Words, Translated

The Gift & Income Log 2026/27

Get your Pension & Inheritance Tax Map

The Pension & Inheritance Tax Map+ 4 free bonuses

The Pension & Inheritance Tax Map

An adviser's meeting vs. this map

Frequently asked questions

Leave your family a plan, not a puzzle