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Family Property Tax Scenario Planning Tool
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Instantly model the tax implications of gifting, inheriting, or selling property between family members.
Added Feb 23, 2026
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The Problem
Families facing inheritance, property gifts, or intergenerational transfers are overwhelmed by complex tax rules around inheritance tax, capital gains tax, gift-with-reservation rules, and nil-rate bands. They struggle to understand how different scenarios (gifting now vs. inheriting later, selling below market value, transferring shares of a home) affect their total tax liability. Most turn to Reddit for answers because professional advice is expensive and they lack tools to even frame the right questions.
Potential Solution
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.
Why Now?
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.
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