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Your central place for household management, finances, and planning
| Initial: | £0 |
| Net Growth: | £0 |
| Fees Paid: | £0 |
| Transferred Out: | £0 |
| Ending Balance : | £0 |
| Initial: | £0 |
| Net Growth: | £0 |
| Fees Paid: | £0 |
| Transferred Out: | £0 |
| Ending Balance: | £0 |
| Contributions: | £0 |
| Gov Bonus: | £0 |
| Inv. Growth: | £0 |
| Fees Paid: | £0 |
| Combined Return (Growth + Bonus - Fees) | £0 |
| Value when GIA ends: | £0 |
| Total at Age 60: | £0 |
| Contributions: | £0 |
| Gov Bonus: | £0 |
| Inv. Growth: | £0 |
| Fees Paid: | £0 |
| Combined Return (Growth + Bonus - Fees) | £0 |
| Value when GIA ends: | £0 |
| Total at Age 60: | £0 |
| Year | General Investment Account (GIA) | Chris LISA | Sarah LISA | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Start | Out | Growth | Fees | End | In (+Bonus) | Growth | Fees | Total | In (+Bonus) | Growth | Fees | Total | |
Build bespoke scenarios for Sue, Chris and Sarah. Configure account balances, transfer plans, fees, growth, lifetime ISA rules, and watch the inheritance tax estimate update instantly.
Configure dynamic transfers and IHT predictions.
Until funds run out (based on growth, fees, and transfers)
* Until funds run out
** Investment growth + interest - fees - transfers out
*** Based on IHT Prediction settings
* Until Sue's funds run out
** Investment growth + interest + govt bonus - fees
*** Final value at end of calculation period (inflation-adjusted value and real growth rate in brackets)
**** LISA balance projected to age 60
* Until Sue's funds run out
** Investment growth + interest + govt bonus - fees
*** Final value at end of calculation period (inflation-adjusted value and real growth rate in brackets)
**** LISA balance projected to age 60
Total Estate: Sum of all money allocation inputs plus balances from modelling page (Sue's GIA, SS ISA, Cash ISA from the other tab).
Transfers Prior to Death: All money transferred to Chris and Sarah from the modelling page.
Exempt Transfers: Transfers that don't count towards IHT:
• Gifts made more than 7 years before death (fully exempt)
• Annual gift allowance (£3,000/year)
• Tapered relief for gifts 3-7 years before death (20%-80% exempt)
IHT Calculation:
• Estate value minus nil rate bands (£325k + £175k RNRB)
• Taxable amount × 40% IHT rate
• Transfers within 7 years added back to estate (with taper relief)
Taper Relief:
3-4 years: 20% exempt | 4-5 years: 40% exempt
5-6 years: 60% exempt | 6-7 years: 80% exempt
View Investments, ISAs & GIA Projections
Droncit + Advocate together OR Bravecto & Anthelmin together
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