IHT Co-Pilot for advisers
Pensions fall into inheritance tax from April 2027. Be the adviser your clients turn to.
The OBR forecasts inheritance tax receipts rising from around £9 billion this year to £14.5 billion by 2030/31.
Thousands of families who never expected an inheritance tax bill are about to receive one. Unused pensions, frozen allowances and the new cap on business and agricultural relief change the numbers for almost every client with a home, a pension and savings. IHT Co-Pilot gives your firm the engine, the evidence and the enquiries to lead those conversations — with figures you can defend line by line.
Free IHT Co-Pilot for advisers on an active lead plan.
Not buying leads? Try it free for 14 days — fully branded with your logo, colours and regulatory details. No card needed.
Why advisers can trust the figures
Every number shows its working — all the way back to the legislation.
Clients, compliance teams and professional indemnity insurers all ask the same question: where did that figure come from? IHT Co-Pilot answers it before anyone asks. Open any result and you see each step of the calculation, the rule it applied and the source of that rule.
Working shown for every figure
Every result carries a step-by-step trace back to the legislation, so you can explain — and evidence — exactly how each pound of tax arises.
A dated, sourced rules table
Rates, thresholds and dates are held in a rules table with effective dates and legislative sources. When the law changes, the rule changes — not the code.
Calculated to the penny
A tested calculation engine works in whole pence. AI never calculates: it drafts words for your approval, and every figure it uses is checked against the engine.
40+ worked examples, 150+ automated tests
Including the £2.5m APR/BPR allowance, the transitional rule for gifts from 30 October 2024, the residence nil-rate band taper, the 14-year rule, quick succession relief, and trust ten-year and exit charges.
Assumptions flagged, never hidden
Where a figure relies on a threshold beyond its legislated freeze, it is clearly flagged as an assumption, so nobody mistakes a projection for law.
Couples in both orders of death
Married couples and civil partners are modelled in both orders of death, with the higher outcome as the headline and both shown in full.
Pensions from April 2027
The biggest change to estate planning in a generation — modelled properly.
From 6 April 2027, most unused pension funds and death benefits count towards the estate. For many clients the pension is the largest asset they own. Getting the interaction right — between inheritance tax, the nil-rate band and income tax on what beneficiaries draw — is where advice adds the most value.
Exempt death benefits
Death-in-service and other exempt benefits identified and kept outside the estate.
Spouse and charity shares
Nominations to a spouse or civil partner, and charity shares, handled at the right point in the calculation.
Nil-rate band split
The nil-rate band apportioned between the estate and pensions, so each bears its fair share of the tax.
The age-75 income tax interaction
Income tax on what is left after inheritance tax, depending on whether the member died before or after 75.
What the family keeps
A clear bottom line: what each beneficiary actually receives after inheritance tax and income tax.
What's inside
One workspace, from first enquiry to annual review.
Everything your advisers need to turn an inheritance tax conversation into a documented, reviewable plan — without spreadsheets, without re-keying, and without guesswork.
Client records and fact-finds
Assets, liabilities, pensions, life policies, gifts, trusts and wills — captured once, with no double entry.
Scenarios side by side
Compare the current position with up to three planning scenarios and see the saving on each.
Lifetime cash flow and sustainable gifting
Project income, spending and assets for life, stress-test them, and find what can safely be given away.
Documents
Store client documents securely against the household, with short-lived private links.
Meetings and review reminders
Record meetings, notes and actions, and never miss an annual review.
AI-drafted notes for adviser approval
Meeting summaries and talking points drafted for you, with client details removed and every figure checked — nothing is used until you approve it.
Branded PDF reports
Client-ready reports that explain the position and the plan in plain English.
Fully white-labelled
Fully white-labelled with your logo, colours and regulatory details, so clients see your firm — not ours.
Security
Built for regulated firms.
Firm data isolated at database level
Every record belongs to one firm, and the database itself refuses access from anyone outside it.
Append-only audit log
Changes are recorded in a log that cannot be edited or deleted — evidence for compliance reviews.
Optional firm-wide two-factor sign-in
Switch on two-factor authentication for every user in your firm with one setting.
Built for UK GDPR
Data minimisation, retention rules and private document storage designed in from the start.
Leads
Pre-qualified enquiries, ready to work.
Pre-qualified enquiries from My Inheritance Tax Planning land straight into your IHT Co-Pilot with an indicative exposure estimate. Each one arrives as a prospect record with the enquirer's contact details, estate band and message, plus a list of the information you still need — so your first call starts with a real number, not a blank form.
Request early access
Tell us about your firm and we'll be in touch to arrange a walkthrough.