The £325,000 trap
The nil rate band hasn’t changed since 2009. Property prices have. If your estate exceeds the threshold, your family pays 40% on the excess.
Know Exactly What HMRC Will Take
— And How to Reduce It
Fynla maps your full estate — property, pensions, investments, life insurance — and shows your Inheritance Tax exposure in real time. Then helps you model strategies to reduce it.
I had no idea our Inheritance Tax bill was going to be £180,000. Fynla showed us in 5 minutes.
Most People Don’t Know What They’ll Owe
Pensions are changing
From April 2027, unused pension pots will be included in your estate for Inheritance Tax purposes. This is a massive shift that most people haven’t planned for.
Guesswork isn’t a strategy
Gifting rules, taper relief, trust structures, business property relief — these are powerful tools, but only if you can see the numbers.
Estate & Inheritance Tax summary
Total estate value
£1,240,000
Nil rate band
£325,000
Residence nil rate band
£175,000
Taxable estate
£740,000
Inheritance Tax liability (40%)
£296,000
Gifting £50,000 now
Saves £20,000
Drawing down pension before 2027
Saves up to £60,000
Your Full Inheritance Tax Picture, Updated in Real Time
Estate Valuation Dashboard
See your total estate value broken down by asset type — property, pensions, investments, savings, life insurance. Updated automatically as you add or change data.
Inheritance Tax Liability Calculator
Instant calculation under current UK rules, including nil rate band, residence nil rate band, transferable allowances, and the tapered residence nil rate band for estates over £2m.
Pension Inheritance Tax Modelling (April 2027)
Model the impact of the upcoming pension inclusion rules before they take effect. See how your pension pot changes your position.
Gifting Strategy Modeller
Model the 7-year gifting rule, annual exemptions, small gifts, and gifts out of normal expenditure. See how different timelines affect your estate.
Scenario Comparison
Run side-by-side comparisons: What if we downsize? What if we gift £50,000 now? What if we draw down pensions faster?
In Case of Emergency Letter Integration
Your estate plan feeds directly into your In Case of Emergency letter — so your family knows not just what you own, but what to do with it.
Inheritance Tax Planning: Fynla vs The Alternatives
| Feature | Fynla (£8.50–£20/mo) | IFA Estate Planning (£1,500–5,000) | Spreadsheet |
|---|---|---|---|
| Real-time estate valuation | Yes | One-off snapshot | Manual updates |
| Pension Inheritance Tax modelling (2027) | Yes | Depends on adviser | Not feasible |
| Gifting scenario modelling | Yes | Usually extra cost | Very difficult |
| Updated when tax rules change | Automatic | Requires new consultation | You research it |
| Time to first insight | 10 minutes | 2–4 weeks | Hours of setup |
| Annual cost | £102–£240 | £1,500–5,000+ | Free but risky |
Frequently asked questions
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No. Fynla is a planning tool that helps you understand your position based on current UK tax rules. For complex estate planning, we'd recommend consulting a qualified adviser — and Fynla gives you the numbers to make that conversation productive.
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Yes. Our Inheritance Tax planning suite (Premium tier) lets you model your estate under both current rules and the post-April 2027 rules where unused pension pots are included in your estate for Inheritance Tax purposes.
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Yes. Fynla models transferable nil rate bands, residence nil rate band, and joint estate planning. You can see your position individually and as a couple.
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Fynla applies current HMRC rules including all standard bands, taper thresholds, and exemptions. Accuracy depends on the completeness of your asset data.
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Fynla covers the most common planning strategies including gifting, pension drawdown, and standard exemptions. For complex trust structures, we'd recommend using Fynla's numbers alongside professional advice.
Don't Leave Your Family a Tax Bill They Didn't Expect
It takes 10 minutes to see your Inheritance Tax exposure. The demo lets you explore with sample data — no sign-up needed.