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Sample estate — demo data, no sign-up.
MyFamilyInherits
⚖ Guidance · rules-based, not a guess

Here's what your plan needs — and exactly why.

We checked your estate against the open INHERIT standard for England & Wales. Every recommendation below comes with the reasoning behind it. Run it again tomorrow and you'll get the same answer — these are rules, not opinions.

Your plan is taking shape, with a few important gaps

You've recorded an estate worth £1,180,000 with two children and a charitable gift. Three things still put your wishes at risk if left as they are — and two professionals would close them properly.

2need attention now
1worth reviewing
4already sound

Who you'd benefit from speaking to

Based on what's in your estate — not a sales prompt. Here's how we worked it out.

Your plan needs both an estate/legal professional and a tax adviser.
Your estate is over the £1,000,000 threshold with heirs in Scotland and the Republic of Ireland. A will-writer alone would miss the Inheritance Tax exposure; a tax adviser alone can't draft a valid will or handle the cross-jurisdiction executor arrangements. The two work together — priced independently, matched into one bundle.
Estate / Legal Needed

A will-drafting solicitor (SRA-regulated)

To put your wishes into a valid will and appoint your executors correctly.

Triggered in your estate by
  • No valid will yet — estate would pass under intestacy
  • Co-executors resident in Scotland and the Republic of Ireland
  • A property held in your sole name
Tax Needed

An Inheritance Tax adviser (CIOT / STEP)

To reduce a tax bill your family would otherwise pay, and to confirm the nil-rate bands transferred from your late wife are claimed.

Triggered in your estate by
  • Estate of £1,180,000 — above the £1,000,000 threshold
  • A charitable gift at the 10% rate-relief threshold
  • Transferred nil-rate bands still to be claimed
INHERIT-verified Computed against the open INHERIT standard · England & Wales advice-need rules · reviewed status: Stable

Gaps and risks in your plan

Open any item to see the rule behind it — we never just say "trust us".

No valid will recorded — intestacy would apply Without a will, the law decides who inherits — your charitable gift and chosen executors would not apply. Attention now

You've recorded an estate worth £1,180,000 with a 10% charitable gift, but there's no valid will attached. Under the intestacy rules for England & Wales your estate would pass to your two children in equal shares — your gift to the North West Railway Heritage Trust would not happen, your model-railway collection would not be directed, and you could not choose who administers your estate.

How we reached this
  1. No will document is attached to this estate.
  2. A charitable gift (10%) and specific bequests are recorded that only a valid will can carry out.
  3. Rule: recorded wishes with no will raise an intestacy gap at severity high.
Rule applied: EW-INTESTACY-NO-WILL-01 · jurisdiction: England & Wales
Cross-border estate — heirs in Scotland and the Republic of Ireland Your executors and beneficiaries live in three different jurisdictions, which complicates administration. Attention now

Your co-executors — Sarah (Glasgow, Scotland) and Stephen (Dublin, Republic of Ireland) — both live outside England & Wales, and Stephen's inheritance may fall within the Republic of Ireland's Capital Acquisitions Tax as well as UK Inheritance Tax. A solicitor experienced in cross-border estates can keep the administration straightforward and flag any double-tax relief.

How we reached this
  1. Beneficiaries are resident in Scotland and the Republic of Ireland.
  2. Both co-executors are resident outside England & Wales.
  3. Rule: cross-jurisdiction executors or heirs raise a cross-border administration flag at severity high.
Rule applied: EW-CROSSBORDER-ADMIN-03 · jurisdictions: England & Wales · Scotland · Republic of Ireland
Inheritance Tax exposure of about £22,320 After your 10% charitable gift, £62,000 remains chargeable. Planning could reduce this further. Worth reviewing

Your £1,180,000 estate is covered by a £1,000,000 threshold — your own nil-rate bands plus the bands transferred from your late wife. After your £118,000 charitable gift, £62,000 is chargeable, and because the gift is at least 10% the rate is held at 36% rather than 40%. A tax adviser may be able to reduce the chargeable amount further, for example through lifetime gifts or a trust.

How we reached this
  1. Threshold £1,000,000 = own bands £500,000 + transferred bands £500,000 (widower).
  2. Estate £1,180,000 − charitable gift £118,000 − threshold £1,000,000 = chargeable £62,000.
  3. Charitable gift is ≥ 10% → reduced rate 36%: £62,000 × 36% = £22,320.
Rules applied: EW-IHT-NRB-RNRB EW-IHT-CHARITY-36 · INHERIT Catala tax engine
Residence allowance is being used correctly Your home passes to your children, so the residence bands apply. Sound

Because your property is left to direct descendants (Sarah and Stephen), the £175,000 residence nil-rate band — plus the £175,000 band transferred from your late wife — is included in your £1,000,000 threshold above. Nothing to change here.

How we reached this
  1. A residential property is in the estate.
  2. Its beneficiaries are direct descendants (Sarah, Stephen).
  3. Rule: residence nil-rate band qualifies, and the transferred band applies → £350,000 of residence relief.
Rule applied: EW-IHT-RNRB-QUALIFY · no action needed

The same answer, every time. These findings come from published rules in the open INHERIT standard — not from a model guessing. Change a fact and only the rules that depend on it change. You can read every rule, and so can your solicitor.

Your clear next steps

In the order that protects your family fastest. Take them at your own pace — nothing happens automatically.

Make your will & confirm your executors

Closes the two attention-now gaps together. One solicitor handles both.

Estate / legal · from £290

Review the £22,320 tax exposure

A short adviser session can confirm whether it can be reduced.

Tax · CIOT / STEP · from £395

Share this guidance with them

A one-page summary, with the reasoning, so they start from where you are.

Free · private until you choose to share

This is guidance, not advice. All figures and findings are estimates computed from the facts you've entered, checked against the open INHERIT standard's England & Wales rules (rule-set status: Stable, reviewed by a named reviewer). They help you decide what to ask a professional — they are not legal or tax advice, a formal valuation, or a substitute for a regulated firm. Your late wife's unused nil-rate bands transfer to your estate, lifting the threshold to £1,000,000 (transferable nil-rate band + residence nil-rate band); the 10% charitable test applies to the chargeable part of the estate only. MyFamilyInherits does not provide legal or tax advice; planning is delivered by the regulated firms shown (SRA / CIOT / STEP). Your plan is private until you choose to share it, and you will never be charged 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.
  • Planned5 entriesA change proposal covers this. Where we can check the standard’s own record, we show its status.
  • Gap — needs planning2 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.

10 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 planningPlanFinding set (kind + severity + title)

    Status: ext.plan_findings

    no change proposal covers this yet

    traced from the data this screen displays

  • Gap — needs planningdecision-support.professional-match

    Status: tracked as TT-958 — no change proposal covers it yet

    TT-958 is tracked as an issue but is not a change proposal in the pinned registry

    traced from the screen’s feature list

  • Planned— cross-border-admin (warning)

    ICP-0022 Post-death estate-administration & will-lifecycle domain (pending in the standard)

    traced from the data this screen displays

  • Planned— iht-exposure (advisory)

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

    traced from the data this screen displays

  • Planned— intestacy-risk (warning)

    ICP-0020 Distribution-logic primitives: survivorship, age-contingent, abatement, cy-près (pending in the standard)

    traced from the data this screen displays

  • Planned"from £…" adviser figures

    ICP-0016 Professional engagement & marketplace data model (approved in the standard)ICP-0044 Steward/authority-grant remuneration facet + paid-helper undue-influence safeguardICP-0006 Marketplace & dealer modelICP-0008 Delegation, stewardship & marketplace integrity

    traced from the data this screen displays

  • PlannedProfessional-match

    ICP-0019 Executor / personal-representative appointment & powers model (pending in the standard)

    traced from the data this screen displays

  • Supported nowdecision-support.gaps-risks

    In the standard as: Planning · PlanFinding

    traced from the screen’s feature list

  • Supported nowdecision-support.next-steps

    In the standard as: Planning · PlanFinding

    traced from the screen’s feature list

  • Supported nowdecision-support.plan-needs

    In the standard as: Planning · PlanFinding

    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.