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Add the key estate details
Enter the main information that shapes the picture, including properties, other assets, pensions, liabilities, gifts, key people, and important documents.
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Product
Estate Planner
Build a clearer picture of your estate, review a simplified inheritance tax estimate, and improve executor readiness by organising key details, documents, and planning assumptions in one place.
Get early access to Planiva’s practical planning tools.
Estimate estate value, inheritance tax, and executor readiness
Planiva’s Estate Planner helps you build a structured view of your estate so you can see what it may be worth, whether inheritance tax could apply, and how executor-ready your estate information is for the people who may need it later. It is designed for planning and reviewing estate scenarios and assumptions, so you can review assets, liabilities, gifts, pensions, documents, executors, and practical estate assumptions in one place.
How it works
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Review estate and tax assumptions
Review assumptions that affect the estimate, such as spouse or civil partner transfer, residence nil-rate band conditions, and whether pensions are included in the taxable estate estimate.
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Review the estate picture
See net estate, estimated inheritance tax, exempt amounts, and other key figures based on the details and assumptions entered.
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Check executor readiness
Review missing items, incomplete areas, and recommended next actions so estate information is easier to locate and hand over when needed.
What this planner helps you do
Use the planner to turn a fragmented estate picture into a clearer planning view before taking legal, tax, or financial advice.
Estimate the overall estate picture
Build a structured view of assets, liabilities, and net estate so the scale of the estate is easier to understand.
Review potential inheritance tax exposure
See a simplified estimate of whether inheritance tax could apply and how the current assumptions affect the result.
Understand what may be exempt
Review how spouse or civil partner transfer assumptions, nil-rate bands, and residence nil-rate band assumptions affect the estimate.
Improve executor readiness
Identify missing items, incomplete areas, and practical gaps that may make estate administration harder later.
Organise key estate information
Keep people, executors, beneficiaries, gifts, and important documents in one place for clearer planning.
Core features
The planner is designed to support practical estate planning in a clearer and more structured way than a simple inheritance tax calculator or checklist.
Estate value summary
Review total assets, liabilities, net estate, and key figures that shape the current estate picture.
Simplified inheritance tax estimate
Estimate potential inheritance tax for straightforward UK scenarios using the recorded details and assumptions.
Gifts and nil-rate-band awareness
Include recorded gifts and review how gifting and nil-rate-band assumptions affect the simplified inheritance tax picture.
Property and ownership treatment
Capture property ownership details and reflect simplified treatment for joint ownership and ownership shares in the estimate.
Pension inclusion assumptions
Decide whether recorded pensions should be counted inside the taxable estate estimate for planning purposes.
Executor and document readiness
Review whether key people, executor details, and important estate records have been captured clearly enough.
Estate scenario and assumption review
Review how different estate assumptions and estate composition changes affect the overall picture.
Estate summary and readiness outputs
Generate estate summary and readiness outputs that can support further review outside the planner.
Scenarios you can model
The planner is suited to common estate-planning situations where you want a clearer view before proceeding further.
What is my estate worth?
Estimate the current estate picture using recorded assets, liabilities, and pensions.
Could inheritance tax apply?
Review whether the current estate and gifting picture could create a taxable estate under the assumptions used.
Spouse or civil partner transfer assumptions
See how the estimate changes when you assume the estate passes to a spouse or civil partner.
Residence nil-rate band assumptions
Review how the picture changes when the estate is assumed to pass qualifying residence value to direct descendants.
Gifts within seven years
Capture gifts and see how recent gifting may affect the simplified inheritance tax estimate.
Pension inclusion choices
Test how including or excluding pensions from the taxable estate estimate changes the result.
Estate organisation changes
Review how recording executors, beneficiaries, and documents affects executor readiness, incomplete areas, and recommended next actions.
Outputs and insights
The planner is designed to return practical estate-planning outputs that help you assess tax exposure and readiness more clearly.
Net estate view
See the estimated net estate after recorded liabilities have been taken into account.
Inheritance tax estimate
Review a simplified estimate of potential inheritance tax based on the recorded details and assumptions used.
Exempt and taxable estate view
See the estimated exempt amount, taxable estate, and the main elements driving that result.
Estate breakdown
Review how property, assets, liabilities, pensions, and gifts feed into the estimate.
Executor readiness score
See a practical readiness score with missing items and incomplete areas highlighted.
Recommended next actions
Review practical follow-up steps to improve estate organisation and executor readiness.
Assumptions and warnings
See the main assumptions, simplified treatments, and warnings that affect how the estimate should be interpreted.
Who it is for
This planner is best suited to people who want a clearer estate-planning view before making decisions or seeking professional advice.
People asking what their estate may be worth
Useful if you want a more structured estate view than scattered notes or rough estimates.
People reviewing possible inheritance tax exposure
Helpful if you want an early sense of whether inheritance tax could apply under simple assumptions.
People improving executor readiness
Useful if you want to make it easier for executors or family members to find key information and records later.
People checking for estate-planning gaps
Helpful when you want to identify missing documents, unclear ownership details, or incomplete records.
Users who want planning support before advice
Best for planning and organisation before taking legal, tax, or financial advice, not for replacing that advice.
Notes and limitations
This planner is designed to support planning and comparison. It does not replace legal, tax, or financial advice, and outputs depend on the facts, assumptions, and simplified rules used.
Shared trust notes
- This planner supports scenario modelling and comparison. It is intended to help you think through decisions, not to replace regulated financial, tax, legal, or investment advice.
- Outputs depend on the details, assumptions, and tax rules used at the time of modelling. Real-world outcomes can differ if those assumptions change or if relevant information is incomplete.
Planner-specific notes
- Inheritance tax outputs are simplified estimates for straightforward UK estate scenarios and may not reflect every relief, exemption, trust arrangement, or edge case.
- Gifts within seven years are included using simplified treatment, and detailed taper-relief modelling is not fully reflected.
- Pension treatment can vary in practice, so including or excluding pensions in the taxable estate estimate should be treated as a planning assumption rather than a definitive answer.
- Executor readiness reflects how complete the estate information is within this planner, not the legal validity of wills, appointments, or probate arrangements.
- Professional advice may still be appropriate before making legal, tax, gifting, or estate-structure decisions.
Frequently asked questions
What does the Estate Planner help me do?
It helps you organise estate information, estimate potential inheritance tax exposure in a simplified way, and review how prepared your estate information is for executors or family members.
Is this an inheritance tax calculator?
It is better thought of as an estate-planning tool. It includes a simplified inheritance tax estimate, but it also helps you organise estate details, review assumptions, and improve executor readiness.
Can it show what my estate may be worth?
Yes. The planner is designed to show total assets, liabilities, and net estate based on the information you record.
Does it include gifts in the inheritance tax estimate?
Yes. Gifts can be recorded and recent gifts are considered using a simplified treatment within the estimate.
Does executor readiness mean my estate is legally complete?
No. Executor readiness reflects how complete and organised the estate information is within the planner. It does not confirm legal validity, probate readiness, or that professional advice is no longer needed.
Is this legal advice or probate software?
No. It is a planning and organisation tool, not legal advice, probate administration software, or a substitute for professional advice.
Will this tell me exactly how much inheritance tax will be due?
No. It provides a simplified estimate based on the recorded details and assumptions entered, and real outcomes can differ depending on fuller facts, reliefs, and legal structure.
Related tools
Estate planning often connects directly to retirement, tax, and disposal decisions.
Retirement Planner
Useful if pension choices, later-life spending, or retirement assets form part of your wider estate picture.
Tax Planner
Explore wider personal tax planning alongside gifting, pension contributions, and future payment planning.
Capital Gains Tax Planner
Helpful if planned asset disposals could affect the value, composition, or timing of your wider estate plan.
Access the Estate Planner in beta
Join the Planiva beta to explore this planner as part of the wider planning workbench.