Investment calculators and tools

Discover how much excess pension money can be passed on and explore multiple options for managing it. Compare scenarios online or offline, save results as a PDF, and see the potential legacy a client could leave – whether funds remain in the pension or are withdrawn for various IHT solutions.

Discover how the returns compare between onshore bonds, offshore bonds and collective investments such as unit trusts and Open-Ended Investment Companies (OEICs), factoring in your clients current and expected income over the term of the investment. The tool now includes functionality for ISA wrapping, specified withdrawals and multiple options for withdrawing these, as well as increasing the tax bands by CPI from 2028.

You'll be able to access the allowances your clients will be using up when decumulating, as well as the tax-free lump sum remaining on death.

Find out if your clients could benefit from a transitional tax free amount certificate.

This tool allows you to estimate the potential inheritance tax liability for one or two individuals, demonstrating the impact gifting part of their estate into trust would have on their overall IHT liability.

Calculate the scheme specific protected tax free cash amount for money purchase arrangements on or after 6 April 2012.

Understand the effect of redundancy sacrifice from the taxable element of a redundancy payment on your clients pension.

Based on the past premium and withdrawal history, the bond gain tool will allow you to model the potential gain based on full segment surrender and/ or partial withdrawals.

Find out how annual allowance could impact your clients – whether the standard annual allowance or tapered annual allowance applies, as well as the amount of unused allowance and carry forward.

Understand how pension contributions could affect your client’s tax position; or calculate your client’s tax position regardless of any further pension contributions.

Calculate the impact of emergency tax on the payment of the Uncrystallised Fund Pension Lump Sum (UFPLS) and the first payment of drawdown.

Understand the effect of salary sacrifice on your client’s pension – to lower pension contribution costs or increase contributions at the same cost.

Find out if your client could extract profits from their business in a more tax efficient way and how.