Smart Financial Tools

Empowering Your Decisions

Navigate your financial journey with confidence using our suite of intuitive calculators. Whether you're evaluating life insurance options, planning your estate, or exploring mortgage possibilities, our tools are designed to provide clarity and assist you in making informed choices.

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Relevant Life Policy Savings Calculator

Optimise Your Life Insurance Strategy

Discover potential savings by transitioning from a standard term life policy to a Relevant Life Policy. This calculator illustrates how such a switch can offer tax efficiencies, especially beneficial for business owners and directors.

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How much could you save?

Enter your current personal protection premium, tax rates, and the calculator will provide the potential savings by moving to a relevant life plan.

Is the premium paid from dividends?

Is the person covered resident in Scotland?

Premium

Highest rate of tax for the person covered

Total other dividend income

Company corporation tax rate

Employee income tax rate 20%

Employee national insurance rate 8%

Employer national insurance rate 15%

Inheritance Tax (IHT) Liability Estimator

Understand and Manage Potential Tax Liabilities

Estimate your potential Inheritance Tax liability by inputting details about your estate. This calculator aids in planning to minimize tax burdens on your beneficiaries, ensuring your legacy is preserved.

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IHT Calculator

Please complete your details:

What you own

Value of main property

Savings

Investments

Other property

Life insurance pay outs (if not in trust)

Other possessions or assets (e.g. vehicles, house contents)

Value of any trusts to which you are a life tenant

Value of assets (other than main residence)

Value of non-exempt gifts made in the last 7 years

What you owe

Remaining mortgage

Credit card debt

Loans

Overdrafts

Other credit agreements

Marital status

Are you married?

*This calculator should only be used as a guide for IHT liability and does not cover every nuance of the inheritance tax rules. For confirmation of how inheritance tax might affect you please seek advice. All statements concerning the tax treatment of products and their benefits are based on our understanding of current tax law and HM Revenue and Customs’ practice. Levels and bases of tax relief are subject to change.

Mortgage Affordability Calculator

Plan Your Home Financing with Precision

Assess how much you could borrow and estimate your monthly repayments based on your income, expenses, and desired loan term. This tool helps you understand your borrowing capacity and plan your mortgage effectively.

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How much can you borrow

Find out how much you will repay

Enter Borrowing Details:

Repayment Summary

Monthly payment

Total Amount Payable

Interest-Only Repayment

Monthly payment

Total Amount Payable

*This calculator is intended as a general guide to give you an indicative estimate of costs. Always obtain a personalised quote from your mortgage adviser. We cannot be held responsible for any inaccuracies.

Always Seek Advice

Our calculators are designed to provide guidance only. Speak to one of our expert advisers to get precise figures based on your individual circumstances and unique requirements.

All statements concerning the tax treatment of products and their benefits are based on our understanding of current tax law and HM Revenue and Customs’ practice. Levels and bases of tax relief are subject to change.

Speak to an expert

Speak to an expert

Smart Financial Tools

Relevant Life Policy Savings Calculator

Optimise Your Life Insurance Strategy

How much could you save?

Comparison with simple Life Insurance

Employee gross salary increase

Employee national insurance

Employee income tax

Employer national insurance

Corporation tax relief

Net cost

Gross dividend needed

Corporation tax paid

Gross profit to pay dividend

Relevant life plan

Corporation tax relief

Net cost

Total saving of

Inheritance Tax (IHT) Liability Estimator

Understand and Manage Potential Tax Liabilities

IHT Calculator

What you own

What you owe

Marital status

Your results

Total assets

Total liabilities

Net worth

Amount exposed to inheritance tax

Mortgage Affordability Calculator

Plan Your Home Financing with Precision

How much can you borrow

Your max borrow amount:

Find out how much you will repay

Enter Borrowing Details:

Repayment Summary

Monthly payment

Total Amount Payable

Interest-Only Repayment

Monthly payment

Total Amount Payable

Always Seek Advice

Our calculators are designed to provide guidance only. Speak to one of our expert advisers to get precise figures based on your individual circumstances and unique requirements.

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