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Navy pension pot filled with gold coins beside inheritance tax documents and estate planning books, with Big Ben in the background, illustrating the proposed pension IHT changes from April 2027

Financial Literacy, Investing, Pension, Wealth Building

Pension Inheritance Tax 2027: What Changes, Who Is Affected, and What to Do Now

By Ibiyemi Ayanbisi / June 15, 2026 / crystallised pension, drawdown income tax, flexi-access drawdown, PCLS, pension death benefits, pension estate planning, pension IHT 2027, pension IHT changes, pension inheritance tax, pension inheritance tax 2027, pension tax planning, retirement planning 2025, SIPP inheritance tax, uncrystallised pension

Under proposals announced in the Autumn Budget 2024, your unspent pension pot is expected to be counted as part of your estate for inheritance tax from 6 April 2027. This guide explains what the proposals mean, who is likely to be affected, and the planning strategies you can consider in the window before the changes take effect.