Estate valuation and Inheritance Tax calculator
See your total estate value, available nil-rate bands, and exactly how much Inheritance Tax your family would face today.
Enjoying your wealth
What happens to everything when I’m gone?
You’ve worked hard, saved well, and built a comfortable life. Now the question shifts to legacy — estate planning in the UK focuses on making sure your family is provided for and that Inheritance Tax mitigation keeps more of your wealth where it belongs. Fynla helps you plan with clarity.
Is this the right stage of your journey?
-
You’re already retired or about to be
-
You’re concerned about Inheritance Tax on your estate
-
Family wealth protection is a priority — you want to make sure your loved ones are provided for
-
You’re thinking about gifting or trust strategies
What Fynla shows you at this stage
Gifting strategy modeller
Model how regular gifts, annual exemptions, and potentially exempt transfers reduce your Inheritance Tax liability over time.
Pension drawdown tracking
Monitor your drawdown rate against your pot size for effective retirement income management, and see how long your pension will last under different scenarios.
In Case of Emergency letters for your family
A clear, comprehensive guide to your finances for your loved ones — policies, accounts, contacts, and wishes, all in one document.
Will and Power of Attorney guidance
Understand what you need in place and track whether your Will, Lasting Power of Attorney, and other essential documents are up to date.
Features that may be relevant to you
Inheritance Tax planning
See your full Inheritance Tax exposure, available reliefs, and strategies to reduce the liability — including the 2027 pension changes.
In Case of Emergency letters
The most important document you’ll ever create — a complete guide to your finances for your family.
Estate dashboard
Your complete estate at a glance — property, investments, pensions, and policies with total valuation.
Gifting strategies
Model how gifting reduces your Inheritance Tax bill and track the seven-year taper relief on potentially exempt transfers.
Drawdown management
Track your pension drawdown rate and see how long your pot will last under different withdrawal scenarios.
What do I need to start my journey?
To get the most from Fynla, have these details ready. You don’t need everything at once — you can always come back and add more later.
About You & Family
Personal and beneficiary details
- Date of birth
- Beneficiary details
- Family members
- Health status
Pension & Income
Retirement income sources
- Pension drawdown details
- Annuity income
- State Pension amount
- Other retirement income
Full Estate Value
Everything you own
- Property values
- Investment portfolio
- Savings and cash
- Business interests and trusts
Gifting History
Gifts you have made
- Gifts made in last 7 years
- Regular gifts from income
- Annual exemptions used
- Potentially exempt transfers
Legal Documents
Estate planning essentials
- Will status and date
- Lasting Power of Attorney
- Trust documents
- Letter of wishes
Legacy Goals
What you want to leave behind
- Inheritance Tax reduction goals
- Charitable giving plans
- Family wealth distribution
- Specific beneficiary wishes
Start your journey
You can always skip steps and come back later
Moments where Fynla makes a difference
An Inheritance Tax Bill Nobody Expected
“I had no idea our Inheritance Tax bill was going to be £180,000. Fynla showed us in 5 minutes — and then helped us model gifting strategies that could reduce it significantly over the next few years.”
54% of UK Adults Don’t Have a Will
Without a will, the law decides who gets what — and unmarried partners get nothing. Fynla guides you through getting your estate in order: wills, Lasting Powers of Attorney, Inheritance Tax planning, and In Case of Emergency letters for your family.
Robert & Patricia Williams
Retired couple with property, pensions in drawdown, and an estate exposed to Inheritance Tax. They need clarity on gifting strategies, estate valuation, and how to protect their family’s inheritance.
See it in action
Explore Fynla through a real scenario — no sign-up required.
Try Enjoying your wealth demo