Question 1

How accurate is the Estate Map calculator?

Accepted Answer

Estate Map uses the latest HMRC rules and thresholds, including the residence nil-rate band, taper relief, and 7-year gift rules. The calculations are based on established tax legislation. However, this is an information tool providing illustrative estimates only, not financial, tax, or legal advice. For personalized guidance on your specific circumstances, consult FCA-regulated financial advisers and qualified tax professionals.

Question 2

Is my data secure and private?

Accepted Answer

Absolutely. Estate Map runs entirely in your browser. Your financial data never leaves your device and is never stored on our servers. We don't collect, store, or have access to your estate details. Only you can see your calculations.

Question 3

When do I need to pay?

Accepted Answer

The calculator is 100% free to use. You can run unlimited calculations before deciding to purchase access. Choose a 31-day pass for £39 (one-time), Pro Annual for £149/year (best value), or Pro Monthly for £19/month for ongoing access to all features including PDF report downloads.

Question 4

What's included with my subscription?

Accepted Answer

Both plans include: complete IHT calculations, interactive timeline visualizations, gift tracking analysis, scenario comparisons, professional PDF report downloads, informational discussion points for your adviser, and professional formatting suitable for sharing with advisers or family members.

Question 5

Can Estate Map handle trusts and business relief?

Accepted Answer

Yes! Unlike free calculators, Estate Map handles discretionary trusts, life interest trusts, business property relief (BPR), agricultural property relief (APR), and complex gift structures. It's designed for real-world UK estates.

Question 6

Do I need a financial adviser?

Accepted Answer

Estate Map provides information to help you understand your position. We cannot advise on whether you need an adviser, as this depends on your individual circumstances. For complex situations (trusts, business assets, international property, or significant IHT liability), many people choose to consult FCA-regulated financial advisers. Use our report as an information source for those discussions.

Question 7

How is this different from the gov.uk calculator?

Accepted Answer

The HMRC calculator provides basic calculations only. Estate Map includes residence nil-rate band taper relief, tracks 7-year gifts with taper relief, handles trusts and business relief, provides timeline projections, and generates professional PDF reports.

Question 8

What if my estate is simple - just a house and savings?

Accepted Answer

Estate Map works for all estate sizes. Even 'simple' estates benefit from understanding RNRB eligibility, optimal gifting strategies, and seeing how your estate might grow over time. The calculator adapts to your complexity.

Question 9

Can I save my calculation and come back later?

Accepted Answer

Yes! Your data is saved locally in your browser. You can close the page and return anytime to continue. For long-term storage, download the PDF report.

Question 10

What happens if IHT rules change?

Accepted Answer

We monitor all HMRC announcements and update Estate Map whenever rules change. Recent updates include the April 2027 BPR changes and frozen threshold extensions. You'll always have access to the latest rules.

Question 11

Can I model different scenarios?

Accepted Answer

Yes! Test different gift strategies, property sales, charitable donations, and life events. Compare scenarios side-by-side to find the optimal approach for your family.

Question 12

Is this suitable for couples?

Accepted Answer

Absolutely. Estate Map calculates transferable nil-rate bands, spousal exemptions, and models both the first and second death scenarios. Essential for married couples and civil partners.

Question 13

What if I've made gifts in the past?

Accepted Answer

Enter all gifts made in the last 7 years. Estate Map tracks taper relief (reducing tax liability the longer you survive), cumulative totals, and shows when gifts fall out of your estate.

Question 14

Do you offer refunds on PDF reports?

Accepted Answer

Yes. If you're not satisfied with your PDF report, contact us within 14 days for a full refund, no questions asked.

Question 15

Can financial advisers use this for clients?

Accepted Answer

Yes! Many IFAs use Estate Map as a client engagement tool. The professional PDF reports are perfect for client meetings. Contact us for adviser partnership opportunities.