UK estate-planning calculators + knowledge (IHT, intestacy, trusts, wills). Read-only.
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Estimate a UK Inheritance Tax bill (2025/26 England & Wales rules). Models the nil-rate band, residence nil-rate band and its £2m taper, spousal doubling, the 40% charge, the 2027 pension change, plus optional debts, charity rate (36% at 10%+), transferred allowances and business/agricultural relief. Illustrative only — excludes lifetime-gift history.
Married or in a civil partnership (combined/doubled allowances)
Total estate value excluding any pension you add separately (£)
Does a main home pass to children/grandchildren? Enables the residence nil-rate band
Value of the main home (£) — caps the residence nil-rate band
Share of the net estate left to charity (%)
Mortgage, loans and funeral costs (£)
Deduct debts/liabilities first
Unused pension value to fold in (£)
Qualifying business/agricultural assets get simplified relief
Include unused pensions (the rules from 6 April 2027)
Late spouse's unused nil-rate band (£), capped £325,000
Late spouse's unused residence nil-rate band (£), capped £175,000
A share of the estate is left to charity (10%+ cuts the rate to 36%)
Value of qualifying business/agricultural assets (£)
Claim a late spouse's/civil partner's unused allowances
This tool isn't marked read-only, so it may change something on the server or in an account you connected.
Estimate a UK Inheritance Tax bill (2025/26 England & Wales rules). Models the nil-rate band, residence nil-rate band and its £2m taper, spousal doubling, the 40% charge, the 2027 pension change, plus optional debts, charity rate (36% at 10%+), transferred allowances and business/agricultural relief. Illustrative only — excludes lifetime-gift history.
| Argument | Type | Description |
|---|---|---|
| married* | boolean | Married or in a civil partnership (combined/doubled allowances) |
| homeValue | number | Value of the main home (£) — caps the residence nil-rate band |
| charityPct | number | Share of the net estate left to charity (%) |
| debtsValue | number | Mortgage, loans and funeral costs (£) |
| estateValue* | number | Total estate value excluding any pension you add separately (£) |
| includeDebts | boolean | Deduct debts/liabilities first |
| pensionValue | number | Unused pension value to fold in (£) |
| includeRelief | boolean | Qualifying business/agricultural assets get simplified relief |
| includePension | boolean | Include unused pensions (the rules from 6 April 2027) |
| transferredNrb | number | Late spouse's unused nil-rate band (£), capped £325,000 |
| transferredRnrb | number | Late spouse's unused residence nil-rate band (£), capped £175,000 |
| leavingToCharity | boolean | A share of the estate is left to charity (10%+ cuts the rate to 36%) |
| reliefAssetsValue | number | Value of qualifying business/agricultural assets (£) |
| transferredAllowance | boolean | Claim a late spouse's/civil partner's unused allowances |
| leavingHomeToDescendants* | boolean | Does a main home pass to children/grandchildren? Enables the residence nil-rate band |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"estateValue",
"married",
"leavingHomeToDescendants"
],
"properties": {
"married": {
"type": "boolean",
"description": "Married or in a civil partnership (combined/doubled allowances)"
},
"homeValue": {
"type": "number",
"default": 0,
"description": "Value of the main home (£) — caps the residence nil-rate band"
},
"charityPct": {
"type": "number",
"maximum": 100,
"minimum": 0,
"description": "Share of the net estate left to charity (%)"
},
"debtsValue": {
"type": "number",
"minimum": 0,
"description": "Mortgage, loans and funeral costs (£)"
},
"estateValue": {
"type": "number",
"minimum": 0,
"description": "Total estate value excluding any pension you add separately (£)"
},
"includeDebts": {
"type": "boolean",
"description": "Deduct debts/liabilities first"
},
"pensionValue": {
"type": "number",
"default": 0,
"description": "Unused pension value to fold in (£)"
},
"includeRelief": {
"type": "boolean",
"description": "Qualifying business/agricultural assets get simplified relief"
},
"includePension": {
"type": "boolean",
"default": false,
"description": "Include unused pensions (the rules from 6 April 2027)"
},
"transferredNrb": {
"type": "number",
"minimum": 0,
"description": "Late spouse's unused nil-rate band (£), capped £325,000"
},
"transferredRnrb": {
"type": "number",
"minimum": 0,
"description": "Late spouse's unused residence nil-rate band (£), capped £175,000"
},
"leavingToCharity": {
"type": "boolean",
"description": "A share of the estate is left to charity (10%+ cuts the rate to 36%)"
},
"reliefAssetsValue": {
"type": "number",
"minimum": 0,
"description": "Value of qualifying business/agricultural assets (£)"
},
"transferredAllowance": {
"type": "boolean",
"description": "Claim a late spouse's/civil partner's unused allowances"
},
"leavingHomeToDescendants": {
"type": "boolean",
"description": "Does a main home pass to children/grandchildren? Enables the residence nil-rate band"
}
},
"additionalProperties": false
}Calculate the Office of the Public Guardian fees to register Lasting Powers of Attorney in England & Wales: £92 per LPA (applications received from 17 November 2025), with a 50% remission where the donor's gross annual income is under £12,000 and a full exemption on certain means-tested benefits (both claimed with form LPA120). Registration fees only — nothing about drafting costs or whether an LPA is right for someone.
| Argument | Type | Description |
|---|---|---|
| couple* | boolean | A couple making the same LPAs each (doubles the document count) |
| lpaTypes* | string | Which LPA(s) — 'Both types' registers two documents per person |
| incomeUnder12k* | boolean | Donor's gross annual income below £12,000 (50% remission) |
| qualifyingBenefits* | boolean | Donor receives certain means-tested benefits (full exemption) |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"lpaTypes",
"couple",
"incomeUnder12k",
"qualifyingBenefits"
],
"properties": {
"couple": {
"type": "boolean",
"description": "A couple making the same LPAs each (doubles the document count)"
},
"lpaTypes": {
"enum": [
"Property & financial affairs",
"Health & welfare",
"Both types"
],
"type": "string",
"description": "Which LPA(s) — 'Both types' registers two documents per person"
},
"incomeUnder12k": {
"type": "boolean",
"description": "Donor's gross annual income below £12,000 (50% remission)"
},
"qualifyingBenefits": {
"type": "boolean",
"description": "Donor receives certain means-tested benefits (full exemption)"
}
},
"additionalProperties": false
}Check whether a deed of variation is available — guidance-only eligibility against the s.142 IHTA 1984 conditions: the hard two-year window from the date of death (HMRC does not extend it), adult beneficiaries with capacity, and the agreement of everyone whose share would reduce. Returns yes / no / depends with blockers, goal-mapped possibilities, and an honest note that ALWAYS accompanies the result. No tax outcome is promised — whether it helps depends on the whole estate.
| Argument | Type | Description |
|---|---|---|
| goal* | string | What the family wants the variation to achieve |
| allAgree* | boolean | Those affected beneficiaries all agree to the change |
| allAdults* | boolean | Every beneficiary whose share would reduce is an adult (18+) with capacity |
| deathTiming* | string | When the person died — the two-year window is the hard statutory gate |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"deathTiming",
"allAdults",
"allAgree",
"goal"
],
"properties": {
"goal": {
"enum": [
"redirect",
"charity",
"trust",
"equalise"
],
"type": "string",
"description": "What the family wants the variation to achieve"
},
"allAgree": {
"type": "boolean",
"description": "Those affected beneficiaries all agree to the change"
},
"allAdults": {
"type": "boolean",
"description": "Every beneficiary whose share would reduce is an adult (18+) with capacity"
},
"deathTiming": {
"enum": [
"within_2_years",
"over_2_years",
"planning_ahead"
],
"type": "string",
"description": "When the person died — the two-year window is the hard statutory gate"
}
},
"additionalProperties": false
}Check whether a grant of probate (or letters of administration) is LIKELY to be needed in England & Wales, from what the person owned and how they owned it. Returns a guidance verdict — likely / maybe / unlikely — with per-asset reasons and next steps. Indicative only: every bank and institution sets its OWN probate threshold and decides asset by asset, so the honest answer always includes asking each one directly.
| Argument | Type | Description |
|---|---|---|
| allToSpouse* | boolean | Everything passes to a surviving spouse/civil partner who owned it jointly |
| soleProperty* | boolean | Property or land registered in the deceased's sole name |
| jointProperty* | boolean | Property owned jointly — held as joint tenants it passes by survivorship |
| largestBalance* | string | Largest single bank or building-society balance in their sole name |
| soleInvestments* | boolean | Shares or investments held in their sole name |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"soleProperty",
"jointProperty",
"largestBalance",
"soleInvestments",
"allToSpouse"
],
"properties": {
"allToSpouse": {
"type": "boolean",
"description": "Everything passes to a surviving spouse/civil partner who owned it jointly"
},
"soleProperty": {
"type": "boolean",
"description": "Property or land registered in the deceased's sole name"
},
"jointProperty": {
"type": "boolean",
"description": "Property owned jointly — held as joint tenants it passes by survivorship"
},
"largestBalance": {
"enum": [
"under_5k",
"5k_20k",
"20k_50k",
"over_50k"
],
"type": "string",
"description": "Largest single bank or building-society balance in their sole name"
},
"soleInvestments": {
"type": "boolean",
"description": "Shares or investments held in their sole name"
}
},
"additionalProperties": false
}Check residence nil-rate band eligibility and amount (England & Wales 2025/26): up to £175,000 per person where a home you own (or owned) passes to direct descendants, doubled for a married couple / civil partners, plus a late spouse's transferred allowance — capped at the home's value and tapered by £1 for every £2 the estate exceeds £2m. Illustrative check with plain-English reasons.
| Argument | Type | Description |
|---|---|---|
| married* | boolean | Married or in a civil partnership (combined/doubled allowance on the second death) |
| ownsHome* | boolean | You own (or owned) a home that is — or was — your residence |
| homeValue* | number | Value of the home (£) — caps the available allowance |
| estateValue* | number | Total estate value including the home (£) — drives the £2m taper |
| transferredRnrb | number | Late spouse's unused residence nil-rate band (£), capped £175,000 |
| passesToDescendants* | boolean | The home passes to children/grandchildren (step, adopted and foster children count) |
| transferredAllowance | boolean | Claim a late spouse's/civil partner's unused residence allowance |
Show the Inheritance Tax impact of the April 2027 change that brings most unused pensions into the estate: the IHT before vs after, and the extra tax. Exposure only — models nothing about pension products or what to do with a pension (that is FCA-regulated advice).
| Argument | Type | Description |
|---|---|---|
| married* | boolean | Married or in a civil partnership |
| homeValue | number | Main home value (£) — caps the residence nil-rate band |
| estateValue* | number | Estate value excluding pensions (£) |
| pensionValue* | number | Unused pension value (£) — counted only in the 'from 2027' scenario |
| pensionToSpouse | boolean | Pension would pass to a spouse first (educational note only) |
| leavingHomeToDescendants* | boolean | Does a main home pass to children/grandchildren? |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"estateValue",
"leavingHomeToDescendants",
"married",
"pensionValue"
],
"properties": {
"married": {
"type": "boolean",
"description": "Married or in a civil partnership"
},
"homeValue": {
"type": "number",
"default": 0,
"description": "Main home value (£) — caps the residence nil-rate band"
},
"estateValue": {
"type": "number",
"minimum": 0,
"description": "Estate value excluding pensions (£)"
},
"pensionValue": {
"type": "number",
"minimum": 0,
"description": "Unused pension value (£) — counted only in the 'from 2027' scenario"
},
"pensionToSpouse": {
"type": "boolean",
"description": "Pension would pass to a spouse first (educational note only)"
},
"leavingHomeToDescendants": {
"type": "boolean",
"description": "Does a main home pass to children/grandchildren?"
}
},
"additionalProperties": false
}Recommend which UK trust types are worth discussing for a goal, with an HONEST note that always accompanies the recommendation (e.g. no trust simply avoids care fees — deliberate-deprivation rules apply with no time limit). Each trust lists what it does NOT do. 'No trust may be needed' is a valid answer.
| Argument | Type | Description |
|---|---|---|
| goal* | string | What the person is trying to achieve |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"goal"
],
"properties": {
"goal": {
"enum": [
"care_fees",
"children",
"control",
"blended_family",
"vulnerable"
],
"type": "string",
"description": "What the person is trying to achieve"
}
},
"additionalProperties": false
}Project what care home fees could cost: typical self-funder weekly ranges (sourced 2026 estimates rounded from published averages) × 52 weeks × years, by region and care type. The educate-only means-test notes are ALWAYS included — England's capital limits and Wales's single limit are stated as facts for education; there is deliberately no 'how much could you protect' computation, because no arrangement simply avoids care fees.
| Argument | Type | Description |
|---|---|---|
| years* | number | Whole years of care to project (e.g. 1, 2, 3 or 5) |
| region* | string | Where the care would be |
| careType* | string | Residential care or nursing care |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"region",
"careType",
"years"
],
"properties": {
"years": {
"type": "number",
"description": "Whole years of care to project (e.g. 1, 2, 3 or 5)",
"exclusiveMinimum": 0
},
"region": {
"enum": [
"london_south_east",
"rest_of_england",
"wales"
],
"type": "string",
"description": "Where the care would be"
},
"careType": {
"enum": [
"residential",
"nursing"
],
"type": "string",
"description": "Residential care or nursing care"
}
},
"additionalProperties": false
}Estimate the cost of probate in England & Wales: the HMCTS application fee (£300 where the estate is over £5,000; no fee at £5,000 or below — the same with or without a will), sealed-copy costs, and — on the professional route — typical fee ranges across the UK market (NOT the firm's fees; most professional fees attract VAT on top). Guidance, not advice.
| Argument | Type | Description |
|---|---|---|
| hasWill* | boolean | A valid will exists (grant of probate); without one, letters of administration |
| estateValue* | number | Gross estate value (£) — home, savings, investments, minus debts |
| includesProperty* | boolean | Estate includes a house or flat (enables the IHT-instalments note) |
| professionalRoute* | boolean | true = with professional help (adds typical UK market fee ranges); false = applying yourself |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"estateValue",
"includesProperty",
"hasWill",
"professionalRoute"
],
"properties": {
"hasWill": {
"type": "boolean",
"description": "A valid will exists (grant of probate); without one, letters of administration"
},
"estateValue": {
"type": "number",
"minimum": 0,
"description": "Gross estate value (£) — home, savings, investments, minus debts"
},
"includesProperty": {
"type": "boolean",
"description": "Estate includes a house or flat (enables the IHT-instalments note)"
},
"professionalRoute": {
"type": "boolean",
"description": "true = with professional help (adds typical UK market fee ranges); false = applying yourself"
}
},
"additionalProperties": false
}Return Simply Estate's frequently-asked questions and answers (fees, regulation, IHT, trusts, wills/LPAs/probate). Optional keyword filter.
| Argument | Type | Description |
|---|---|---|
| query | string | Optional keyword to filter the FAQs |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"query": {
"type": "string",
"description": "Optional keyword to filter the FAQs"
}
},
"additionalProperties": false
}Map lifetime gifts onto the 7-year-rule timeline: which taper BAND each gift sits in and when it falls outside the estate. An EDUCATIONAL timeline of the bands and mechanics only — NOT a personal tax computation: taper relief reduces the rate of tax, never the gift's value, and it only matters where total gifts in the 7 years before death exceed the £325,000 nil-rate band (used up oldest gift first). No personal tax figures are computed.
| Argument | Type | Description |
|---|---|---|
| gifts* | array | Up to 5 gifts to place on the timeline |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"gifts"
],
"properties": {
"gifts": {
"type": "array",
"items": {
"type": "object",
"required": [
"amount",
"yearsAgo"
],
"properties": {
"amount": {
"type": "number",
"minimum": 0,
"description": "Value of the gift (£)"
},
"yearsAgo": {
"type": "number",
"maximum": 7,
"minimum": 0,
"description": "Whole or fractional years since the gift was made (7 = already outside the estate)"
}
},
"additionalProperties": false
},
"maxItems": 5,
"description": "Up to 5 gifts to place on the timeline"
}
},
"additionalProperties": false
}Look up plain-English definitions of UK estate-planning terms (IHT, trusts, LPAs, probate). Omit `term` to list all.
| Argument | Type | Description |
|---|---|---|
| term | string | Term or partial term to match; omit to return the full glossary |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"term": {
"type": "string",
"description": "Term or partial term to match; omit to return the full glossary"
}
},
"additionalProperties": false
}Submit a request for a FREE, no-obligation estate-planning consultation on the user's behalf. Use only with the user's explicit consent and real contact details. Returns a reference id; the Simply Estate team follows up. Estate planning here is not FCA-regulated.
| Argument | Type | Description |
|---|---|---|
| name* | string | The person's full name |
| email* | string | A real email address (required if no phone) |
| phone | string | Phone number (optional) |
| county | string | County, if known |
| message | string | Brief description of what they'd like help with |
| service | string | Area of interest |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"name",
"email"
],
"properties": {
"name": {
"type": "string",
"maxLength": 200,
"minLength": 1,
"description": "The person's full name"
},
"email": {
"type": "string",
"format": "email",
"maxLength": 200,
"description": "A real email address (required if no phone)"
},
"phone": {
"type": "string",
"maxLength": 60,
"description": "Phone number (optional)"
},
"county": {
"type": "string",
"maxLength": 60,
"description": "County, if known"
},
"message": {
"type": "string",
"maxLength": 800,
"description": "Brief description of what they'd like help with"
},
"service": {
"enum": [
"estate-planning",
"iht",
"trusts"
],
"type": "string",
"default": "estate-planning",
"description": "Area of interest"
}
},
"additionalProperties": false
}Search Simply Estate's estate-planning guides (wills, IHT, LPAs, trusts, probate) by keyword. Returns titles, URLs and excerpts to cite.
| Argument | Type | Description |
|---|---|---|
| query* | string | Keywords to search guide titles, excerpts and tags |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"query"
],
"properties": {
"query": {
"type": "string",
"description": "Keywords to search guide titles, excerpts and tags"
}
},
"additionalProperties": false
}Apply the England & Wales intestacy rules (dying without a will, rules from 26 July 2023): who inherits and how much. ALWAYS returns the warnings — e.g. a cohabiting partner inherits nothing, and jointly-owned assets usually pass outside these rules by survivorship.
| Argument | Type | Description |
|---|---|---|
| estateValue* | number | Estate passing under intestacy (£) — sole-name assets, minus debts |
| hasChildren* | boolean | Any biological or legally adopted children (stepchildren don't count unless adopted) |
| maritalStatus* | string | Legal status at death (only marriage/civil partnership counts) |
| hasPartialWill | boolean | A valid will covers some assets (partial intestacy) |
| hasForeignAssets | boolean | Property/accounts held abroad — local succession law applies |
| jointlyOwnedValue | number | Approx value of jointly-owned assets (£) — passes by survivorship, outside these rules |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"maritalStatus",
"hasChildren",
"estateValue"
],
"properties": {
"estateValue": {
"type": "number",
"minimum": 0,
"description": "Estate passing under intestacy (£) — sole-name assets, minus debts"
},
"hasChildren": {
"type": "boolean",
"description": "Any biological or legally adopted children (stepchildren don't count unless adopted)"
},
"maritalStatus": {
"enum": [
"married",
"cohabiting",
"single",
"divorced"
],
"type": "string",
"description": "Legal status at death (only marriage/civil partnership counts)"
},
"hasPartialWill": {
"type": "boolean",
"description": "A valid will covers some assets (partial intestacy)"
},
"hasForeignAssets": {
"type": "boolean",
"description": "Property/accounts held abroad — local succession law applies"
},
"jointlyOwnedValue": {
"type": "number",
"minimum": 0,
"description": "Approx value of jointly-owned assets (£) — passes by survivorship, outside these rules"
}
},
"additionalProperties": false
}Score estate-planning readiness against a checklist. Pass `answers` as a map of item id → true/false (ids: has_will, will_recent, executors_named, guardians_named, lpa_property, lpa_health, wishes_recorded, assets_listed; advanced: pension_nominations, digital_assets, business_succession, foreign_assets, life_insurance_trust). Missing or false items count as gaps. Returns a band: covered / gaps / urgent.
| Argument | Type | Description |
|---|---|---|
| answers* | object | Map of checklist item id → true (in place) / false |
| hasChildren* | boolean | Household includes children under 18 (enables the guardianship item) |
| includeAdvanced | boolean | Include the advanced/often-forgotten items |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"answers",
"hasChildren"
],
"properties": {
"answers": {
"type": "object",
"description": "Map of checklist item id → true (in place) / false",
"additionalProperties": {
"type": "boolean"
}
},
"hasChildren": {
"type": "boolean",
"description": "Household includes children under 18 (enables the guardianship item)"
},
"includeAdvanced": {
"type": "boolean",
"default": false,
"description": "Include the advanced/often-forgotten items"
}
},
"additionalProperties": false
}| downsizedAfterJuly2015 | boolean | Sold or downsized after 8 July 2015 — surfaces the downsizing-addition note (never changes the numbers) |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"ownsHome",
"passesToDescendants",
"homeValue",
"estateValue",
"married"
],
"properties": {
"married": {
"type": "boolean",
"description": "Married or in a civil partnership (combined/doubled allowance on the second death)"
},
"ownsHome": {
"type": "boolean",
"description": "You own (or owned) a home that is — or was — your residence"
},
"homeValue": {
"type": "number",
"minimum": 0,
"description": "Value of the home (£) — caps the available allowance"
},
"estateValue": {
"type": "number",
"minimum": 0,
"description": "Total estate value including the home (£) — drives the £2m taper"
},
"transferredRnrb": {
"type": "number",
"minimum": 0,
"description": "Late spouse's unused residence nil-rate band (£), capped £175,000"
},
"passesToDescendants": {
"type": "boolean",
"description": "The home passes to children/grandchildren (step, adopted and foster children count)"
},
"transferredAllowance": {
"type": "boolean",
"description": "Claim a late spouse's/civil partner's unused residence allowance"
},
"downsizedAfterJuly2015": {
"type": "boolean",
"description": "Sold or downsized after 8 July 2015 — surfaces the downsizing-addition note (never changes the numbers)"
}
},
"additionalProperties": false
}