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When you die, if you don’t have Christ in your heart, do you go to hell immediately?

The time came when the beggar died and the angels carried him to Abraham’s side. The rich man also died and was buried. In hell, where he was in torment, he looked up and saw Abraham far away, with Lazarus by his side. Luke 16:22-23

The determination for one’s fate in eternity rests on a decision – to accept or reject Christ’s death on the cross as the payment for one’s sins.

Acceptance secures your relationship with Christ with eternal indebtedness to Him for His sacrifice.

Denial admits self-reliance and stubbornness.

According to the story of Lazarus the beggar and the rich man, the beggar died and went immediately to “Abraham’s side.”  The rich man also died and it appears he went immediately to what the Bible calls hell. 

Since there is no purgatory or place of redemption where one can rethink their decisions, then yes, you will immediately go to a spiritual heaven or hell, awaiting the final resurrection where, the book of Revelation states, people will transfer to a physical heaven or hell.