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Sample estate — demo data, no sign-up.
MFI — Charitable giving · legal + tax (richer v4)
Springboard: 54-charities (pre-tax). Richer: verified-charity lookup + registered number + Gift Aid + gift types (fixed / % / residue) + merger alert preserved → adds the live charitable-rate calc for David (100% IHT-exempt gift · the 10% threshold £6,000 · rate 40%→36% · £2,400 family saving), each with the trust chip + a guidance-not-advice note.
1. Charitable gifts
2. RNLI gift detail
3. Add a charity
Dashboard › Charitable giving
Charitable giving
Gifts to charity are free of Inheritance Tax — and leaving 10% can lower the rate on everything else
Taxable estate
£60,000
value above your £500k allowance
Gift to charity
£56,000
RNLI · 100% IHT-exempt
10% threshold
£6,000
a tenth of the taxable estate
Estimated IHT
£21,600
at the 36% charitable rate
💡 Your charitable giving of £56,000 is well over the £6,000 (10%) threshold, so the rest of the taxable estate is charged at 36% not 40% — saving the family £2,400. computed against INHERIT · E&W Tax · reviewed: Stable
Tax · the 10% test
You qualify for the reduced 36% charitable rate
✓ Threshold met
Leave at least 10% of the taxable part of your estate to charity and HMRC charges the remaining taxable part at 36% instead of 40%. Your gift is 93% of the taxable estate — comfortably over the line.
Your gift: £56,000 (93%)
10% threshold · £6,000
£0Taxable estate · £60,000
Without the 10% gift
40%
IHT would be £24,000
→
Now
With your charitable gift
36%
IHT is £21,600
Gift to RNLI
£56,000
100% IHT-exempt
IHT before (40%)
£24,000
if no 10% gift
IHT after (36%)
£21,600
charitable rate
Saving for the family
£2,400
lower tax on the rest
ⓘ This is guidance, not advice. Figures are estimates from your estate plan against the 2025/26 rules. The 10% test is applied to the taxable part of your estate (the value above your allowances), and the exact baseline can change with how your will is drafted — a STEP-qualified adviser should confirm it.
computed against INHERIT · E&W Tax · reviewed: Stable
🔔
Register check: we re-checked RNLI on the Charity Commission register this morning — it is active, no merger or name change since you added the gift. Your bequest needs no action.
View the register entry →
RNLI
✓ Verified on the Charity Commission register
Royal National Lifeboat Institution · no. 209603 (E&W)
£56,000
Specific cash gift
Pecuniary bequest — fixed cash sum of £56,000
★ 100% IHT-exempt · 10% test met → unlocks the 36% rate, saving the family £2,400
Gift Aid registered · gift left in your will (legacies are not Gift-Aided, but the estate gets full IHT relief)
Added 14 March 2026 · "For the Tenby crew"
Edit →
🎁
Add another charitable gift
Search by name or charity number. We verify it on the Charity Commission register before it's saved.
Could giving a little more leave the family better off?
a worked example
Near the 10% line, a small increase in your gift can be partly paid for by the tax saving. Here's an honest comparison for David — and where it stops being true.
Your gift today — £56,000
Charity receives£56,000
IHT on the rest (36%)£21,600
Family keeps£37,400
If you reduced it below £6,000
Charity receivesunder £6,000
IHT on the rest (40%)~£24,000
Family keeps~£36,000
ⓘ Where this is true, and where it isn't: giving more to charity always reduces the family's share pound-for-pound above the 10% line — the saving offsets only part of the gift, never all of it. The genuine "better off" window is crossing the 10% line: going from just under to just over can leave the family roughly level while the charity gets the full gift. We won't claim more than that.
computed against INHERIT · E&W Tax · reviewed: Stable
IHT figures are estimates computed from your estate against the open INHERIT standard's England & Wales tax rules (status: Stable, reviewed by a named reviewer) — they are guidance, not tax advice or a formal valuation. Charitable gifts in a will are 100% exempt from Inheritance Tax; the reduced 36% rate applies when at least 10% of the taxable part of the estate (the value above your nil-rate and residence allowances) is left to charity. The exact baseline depends on how the will is drafted. Charities are verified against the Charity Commission register at the time of adding and re-checked periodically. MyFamilyInherits does not provide legal or tax advice, and never deters charitable giving — planning is delivered by the regulated firms shown (SRA / CIOT / STEP). You will never be charged automatically.
Dashboard › Charitable giving › RNLI
RNLI
✓ Verified · Royal National Lifeboat Institution · no. 209603 (E&W) · Gift Aid registered
Tax · the 10% test
This gift triggers the reduced 36% charitable rate
✓ Threshold met
Your £56,000 gift to RNLI is more than 10% of your £60,000 taxable estate (the £6,000 threshold). The gift itself is IHT-free, and the rest of the taxable estate is charged at 36% instead of 40%.
Gift to RNLI
£56,000
93% of taxable estate
10% threshold
£6,000
a tenth of £60,000
IHT after (36%)
£21,600
was £24,000 at 40%
Family saving
£2,400
lower rate on the rest
ⓘ Guidance, not advice. The 10% test is applied to the taxable part of the estate; the exact baseline depends on will drafting. A STEP-qualified tax adviser should confirm the figure before you rely on it.
computed against INHERIT · E&W Tax · reviewed: Stable
Gift type
how the gift is defined
✓ Fixed sum
A set cash amount — your current choice (£56,000).
100% IHT-exempt
% of estate
A percentage of your whole estate — rises and falls with its value.
Easier to keep above the 10% line
Share of residue
A share of what's left after gifts, debts and costs are paid.
100% IHT-exempt
ⓘ A percentage gift is often the safer way to stay over the 10% line, because a fixed sum can drop below 10% if your estate grows. Your adviser can word the gift so it always meets the test.
What RNLI would receive
specific cash gift
The gift
Cash legacy£56,000
As % of taxable estate93%
They'd receive£56,000
Tax on this gift
Taxable value£0
IHT charged£0
ReasonCharity exemption
IHT deducted£0
computed against INHERIT · E&W Tax · reviewed: Stable
Charity detail
from the Charity Commission register
Registered name
Royal National Lifeboat Institution
Charity number
209603 (England & Wales)
Register status
✓ Active · re-checked today
Gift Aid
Registered with HMRC
Gift type
Specific cash legacy
Why this cause
David's note: "For the Tenby crew"
If RNLI cannot accept the gift
contingent plan
If RNLI has merged or closed by the time of your estate, the gift passes to a charity with similar purposes, chosen by your executors — so the charitable rate is preserved. We monitor the register and will flag any change.
IHT figures are estimates computed from your estate against the open INHERIT standard's England & Wales tax rules (status: Stable) — guidance, not tax advice. Charitable legacies are 100% IHT-exempt; the 36% reduced rate applies when 10%+ of the taxable estate is left to charity, applied to the taxable part after allowances. A legacy in a will is not Gift-Aided (Gift Aid covers lifetime gifts) — the relief here is the full IHT exemption plus the reduced rate. The charity is verified on the Charity Commission register. MyFamilyInherits does not provide legal or tax advice and never deters charitable giving. You will never be charged automatically.
Dashboard › Charitable giving › Add a charity
Add a charitable gift
We check every charity on the Charity Commission register before it's saved
Find a registered charity
step 1 of 2
🔍 We match against the official Charity Commission register — only verified charities qualify for the IHT exemption.
Macmillan Cancer Support
✓ Verified · ActiveNo. 261017 (E&W)Gift Aid registered
Choose →
Macmillan Caring Locally
✓ Verified · ActiveNo. 1010888 (E&W)Gift Aid registered
Choose →
ⓘ Two charities share a similar name — check the registration number so your gift reaches the one you mean.
Choose the gift
step 2 of 2 · Macmillan Cancer Support
✓ Fixed sum
A set cash amount you choose.
100% IHT-exempt
% of estate
A percentage of your whole estate.
Tracks estate value
Share of residue
A share of what's left at the end.
100% IHT-exempt
Tax preview
What a £5,000 gift would do
A £5,000 gift to Macmillan would be 100% IHT-exempt. Combined with your existing £56,000 to RNLI, total charitable giving is £61,000 — still over the £6,000 (10%) threshold, so you keep the 36% rate.
This gift
£5,000
IHT-exempt
Total charitable giving
£61,000
RNLI + Macmillan
Rate stays at
36%
still over 10%
ⓘ Guidance, not advice. Adding to charity reduces the family's share by the part of the gift the tax saving doesn't cover. Above the 10% line the rate is already 36%, so a further gift is mostly given, not saved — give what feels right, and let a STEP adviser confirm the numbers.
computed against INHERIT · E&W Tax · reviewed: Stable
Charities are verified on the Charity Commission register at the time of adding. Only gifts to registered charities qualify for the Inheritance Tax exemption and count towards the 10% test for the reduced 36% rate. Figures are estimates against the open INHERIT standard's England & Wales tax rules (status: Stable) — guidance, not tax advice. MyFamilyInherits never deters charitable giving and will never charge you automatically.

Built on INHERIT v2

This demo is built on INHERIT v2 — an open standard for describing an estate. We show you honestly which parts of this screen the standard can hold today, which are planned, and which are still gaps.

  • Supported now3 entriesThe standard already has a place for this today.
  • Supported now · shared core0 entriesSupported by the part of the standard shared across our brands.
  • Planned2 entriesA change proposal covers this. Where we can check the standard’s own record, we show its status.
  • Gap — needs planning3 entriesOn the screen, but no change proposal covers it yet. These still need planning.
  • Not a standard concept0 entriesPage furniture, or something we decided the standard should not hold.

8 traced entries on this screen, from two overlapping traces

Each entry comes from either the screen’s feature list or the data the screen displays. The two traces overlap, so one feature can appear twice: these are entries, not a count of distinct features.

  • Gap — needs planningIHT on the gift itself

    Status: ext.charity.iht_display

    a calculated figure, but it declares no computed_by + from inputs, so nothing shows the standard holds what it is calculated from

    traced from the data this screen displays

  • Gap — needs planningThe gift

    Status: ext.charity.display

    a calculated figure, but it declares no computed_by + from inputs, so nothing shows the standard holds what it is calculated from

    traced from the data this screen displays

  • Gap — needs planningThe named charity

    Status: ext.charity.name

    a calculated figure, but it declares no computed_by + from inputs, so nothing shows the standard holds what it is calculated from

    traced from the data this screen displays

  • PlannedThe reduced rate a 10% gift unlocks

    ICP-0002 IHT 36% reduced charity rate (approved in the standard)

    traced from the data this screen displays

  • PlannedVerified-charity lookup and merger-monitoring alerts

    ICP-0027 Living-Monitoring change-event model (pending in the standard)

    traced from the data this screen displays

  • Supported nowThe charitable interest on the record

    Comes from: record.beneficial_interests.2.interest_kind

    a field on the validated INHERIT v2 estate record

    traced from the data this screen displays

  • Supported nowcharities.charitable-legacy

    In the standard as: Probate · LegacyTypeScheme

    a value list in the standard

    traced from the screen’s feature list

  • Supported nowcharities.charity-organisation

    In the standard as: People · Organisation

    traced from the screen’s feature list

The 30 change proposals this demo relies on

A change proposal (ICP) is a tracked request to extend the standard. These are the ones behind the “Planned” features across all 32 screens — and the few already adopted and built. Where the standard has a written proposal we show its status from the standard’s own record; where it does not, we say so rather than guess.

  • ICP-0001 · TT-657 — Port v1 consumer-estate surface into v2 (approved in the standard)
  • ICP-0002 · TT-658 — IHT 36% reduced charity rate (approved in the standard)
  • ICP-0006 · TT-663 — Marketplace & dealer model (tracked; no written proposal yet)
  • ICP-0007 · TT-664 — Valuation lifecycle enrichment (tracked; no written proposal yet)
  • ICP-0008 · TT-665 — Delegation, stewardship & marketplace integrity (tracked; no written proposal yet)
  • ICP-0013 · TT-672 — Condition grading (tracked; no written proposal yet)
  • ICP-0014 · TT-673 — Collector records bundle (tracked; no written proposal yet)
  • ICP-0015 · TT-674 — Legal-assurance model (pending in the standard)
  • ICP-0016 · TT-681 — Professional engagement & marketplace data model (approved in the standard)
  • ICP-0019 · TT-684 — Executor / personal-representative appointment & powers model (pending in the standard)
  • ICP-0020 · TT-685 — Distribution-logic primitives: survivorship, age-contingent, abatement, cy-près (pending in the standard)
  • ICP-0021 · TT-686 — Wishes, directives & plan-assessment primitives (pending in the standard)
  • ICP-0022 · TT-1029 — Post-death estate-administration & will-lifecycle domain (pending in the standard)
  • ICP-0024 · TT-1031 — Nomination / expression-of-wish — non-testamentary transfer route (pending in the standard)
  • ICP-0026 · TT-1033 — Free-text→structured multi-entity extraction (pending in the standard)
  • ICP-0027 · TT-1034 — Living-Monitoring change-event model (pending in the standard)
  • ICP-0028 · TT-1040 — Couple / mirror-vs-mutual wills modelling (pending in the standard)
  • ICP-0029 · TT-1068 — Insurance-cover model (pending in the standard)
  • ICP-0030 · TT-1069 — Catalogue item-import adapter (pending in the standard)
  • ICP-0033 · TT-1131 — Executor pre-death readiness facet (tracked; no written proposal yet)
  • ICP-0034 · TT-1132 — E&W IHT spouse exemption (tracked; no written proposal yet)
  • ICP-0044 · TT-1143 — Steward/authority-grant remuneration facet + paid-helper undue-influence safeguard (tracked; no written proposal yet)
  • ICP-0045 · TT-1014 — general Media/attachment primitive (tracked; no written proposal yet)
  • ICP-0046 · TT-1144 — Multi-opinion / consensus valuation shape (tracked; no written proposal yet)
  • ICP-0047 · TT-1145 — Compute faith fixed-shares (tracked; no written proposal yet)
  • ICP-0052 · TT-1172 — Funeral & farewell domain (tracked; no written proposal yet)
  • ICP-0054 · TT-1174 — Asset-side external-registry enrichment (tracked; no written proposal yet)
  • ICP-0055 · TT-1175 — Asset enrichment facets: maker/external-id (tracked; no written proposal yet)
  • ICP-0061 · TT-687 — Heir collaboration & asset-claim resolution (tracked; no written proposal yet)
  • ICP-0062 · TT-688 — Collections & asset disposition (tracked; no written proposal yet)

Checked against a pinned copy of the standard’s change-proposal register (69 proposals, standard at main@f63ca72e116d), and against the standard’s own record of what it has adopted (24 written proposals, 66 computed rules). Sample estate — demo data, no sign-up.