As of 13 August 2026, AI cannot check whether your estate owes inheritance tax.
This still needs a person who signs their name to it.
Can you do it?
15 minutesto a draft.
n/ait cannot be self-verified.
Cost, all in£0
Skill neededchat-fluent
Who has to check ita professional
What the alternative costsThe available tool data gives no price for a UK solicitor, accountant or tax adviser handling an inheritance tax matter.
If this goes wrong: the estate uses an incorrect tax calculation or valuation, and the executor must deal with the resulting payment, correction or HMRC enquiry.
What to actually do
Hand it to a person
The route this page recommends
Someone with a licence or accountable authority has to sign this before it counts.
Use a tool built for this
Second choiceDo it yourself
The distant thirdA chat interface gets you a draft, but you cannot verify it yourself. That is the catch.
How to actually do it
- Open the current inheritance tax guidance on GOV.UK and keep it available for comparison.
- Gather the estate inventory, property and investment valuations, bank and pension information, debts, funeral costs, records of gifts or transfers, the will and details of the beneficiaries.
- Remove unnecessary personal identifiers, then paste a factual summary of those documents into the prompt, marking unknown values as unknown rather than guessing.
- Ask the chatbot to produce the provisional assessment using the supplied prompt, including a separate list of missing facts, assumptions and rules that need checking.
- Compare every stated threshold, exemption, relief, valuation treatment and calculation step with the current GOV.UK guidance, and correct the input facts against the underlying documents.
- Send the organised inventory, calculations, documents and unresolved questions to a UK solicitor, accountant or tax adviser before the executor relies on the result or deals with HMRC.
Prompt
I need a provisional UK inheritance tax assessment for an estate, not a filing decision or professional advice. Use only the information I provide and do not invent values, dates, beneficiaries, gifts, exemptions or reliefs. First list the facts and documents needed, then organise the estate into assets, liabilities, gifts and relevant transfers. Show each calculation step, state every assumption, identify missing facts, and distinguish confirmed information from estimates. Explain which parts must be checked against current GOV.UK inheritance tax guidance and which questions require a UK solicitor, accountant or tax adviser. Do not give a definitive answer that inheritance tax is or is not payable. Do not advise me to submit a return or make a payment. Estate information: [paste a factual summary here]. Documents or valuations available: [list them here].
Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.
What it gets wrong
- AI cannot establish that the estate inventory is complete or that property, business, pension and overseas interests have been valued correctly.
- AI cannot reliably decide how gifts, trusts, lifetime transfers, exemptions or reliefs apply to the particular estate.
- AI cannot take responsibility for the inheritance tax return, payment or correspondence with HMRC.
- AI cannot give you a cheaply verifiable final answer when the rules depend on facts you may not know are relevant.
What makes this a NO: legal accountability, verification cost and judgement under ambiguity.
How we scored this
Five axes, each scored nought to two by hand: ten means AI carries the task cleanly, and the thresholds that turn a total into YES, PARTLY or NO are published in the methodology. Each axis name links to its definition.
| Axis | Score (0–2) |
|---|---|
| Output | 1 |
| Inputs | 1 |
| Verification | 0 |
| Liability | 0 |
| Effort delta | 1 |
| Total | 3 / 10 |
The methodology and its thresholds are published in full.
FAQ
- Can AI calculate my inheritance tax?
- AI can arrange the figures and produce a provisional calculation if you provide complete information. It cannot safely confirm the estate's final liability, so a UK solicitor, accountant or tax adviser should check it before action is taken.
- Can ChatGPT tell me if inheritance tax is due?
- It can indicate a possible position from the facts you enter, but it may miss a gift, trust, valuation issue or relief. This is not professional advice, and the executor remains responsible for the position reported to HMRC.
- What information does AI need to check inheritance tax?
- Give it a complete inventory of assets, liabilities, property and investment valuations, gifts or transfers, pension information, the will and the beneficiaries. It also needs the relevant dates and documents, but a professional must decide whether the information is complete and how the rules apply.
- Do I need a solicitor or tax adviser for inheritance tax?
- You should involve a UK solicitor, accountant or tax adviser where the estate has substantial assets, gifts, trusts, business interests, overseas property or any disputed valuation. They can take over the accountable assessment and the HMRC process that a chatbot cannot perform.
Nearby answers
Assessed by gpt-5.6-luna (gpt-5.6-luna) on 2026-08-13, second-checked by an independent model. Wrong somewhere? Email [email protected] and it gets re-checked.
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