As of 13 August 2026, AI can only partly calculate inheritance tax on an estate.

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 1 hour until you can act on the result.

   How to actually do it

   1. Open the current inheritance tax guidance and forms on GOV.UK, and note the tax year and date of death relevant to the estate.
   2. Gather the will, estate accounts, property and investment valuations, bank statements, debt records, insurance details, and records of gifts or transfers made before death.
   3. List each asset, liability, gift, beneficiary and ownership arrangement in a separate document, removing unnecessary personal identifiers before pasting anything into a chatbot.
   4. Paste the prompt and the estate information into a chatbot, asking it to leave any unsupported allowance, valuation or legal treatment unresolved.
   5. Compare the chatbot's assumptions, tax-year rules and arithmetic with the relevant GOV.UK inheritance tax guidance and the estate records.
   6. Send the calculation, supporting records and unresolved issues to a UK solicitor or inheritance tax adviser before relying on it for an HMRC submission or payment.

   Prompt

   Act as a calculation assistant for a UK inheritance tax estimate, not as a solicitor or tax adviser. Use only the facts and figures I provide, and do not invent missing information.
   
   Estate details:
   - Date of death or relevant tax year: [insert]
   - Assets and their values: [insert]
   - Debts and allowable liabilities: [insert]
   - Gifts or other transfers made before death, with dates and values: [insert]
   - Property passing to a spouse, civil partner or charity: [insert]
   - Residence and intended beneficiaries: [insert]
   - Trusts, business assets, agricultural assets or jointly owned assets: [insert]
   - Tax already paid or other relevant information: [insert]
   
   Produce a provisional calculation in pounds. Show each step in a table, including the gross estate, allowable deductions, gifts or transfers, exemptions, nil-rate bands or residence-related allowances only where the supplied facts support them, the taxable estate, and the estimated inheritance tax. State the tax year and every assumption. If a rule, valuation or fact is uncertain, leave it unresolved and explain exactly what evidence is needed rather than guessing. Separate arithmetic from legal or tax conclusions. Identify which figures and assumptions I must check against current GOV.UK guidance and which issues need a UK solicitor or inheritance tax adviser. Do not tell me that the result is final, and do not prepare or submit an HMRC form.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.