A guided scenario-planning calculator that lets users input property values, family relationships, timelines, and transfer methods (gift, sale, inheritance) to model tax outcomes across multiple scenarios side by side. The tool applies jurisdiction-specific rules (UK IHT thresholds, nil-rate bands, residence nil-rate bands, CGT calculations, gift-with-reservation rules) and highlights risks, deadlines (e.g., the 7-year rule), and potential savings. It generates a clear summary report users can take to a solicitor or financial advisor for final verification.

Rising property values have pushed more ordinary families above inheritance tax thresholds, making this previously niche concern a mainstream problem. Recent UK government discussions around tightening IHT rules and increasing enforcement have created urgency for families to plan proactively.