21/10/2026
The £3,000 annual gift exemption has existed for decades and most families have never used it once.
It leaves your estate the moment you give it. No seven year wait, no taper relief, no trust required.
A couple who have not used last year’s allowance either can give away £12,000 right now with no inheritance tax consequences at all.
The exemption resets every April. Unused years are gone. Swipe to see how it works.
