Mayborn Advice — Old Mutual Agency Franchise
Adviser planning tool

Estate liquidity calculator

Estimated liquidity position
R 0
Enter the client’s details below
Estate dutyR 0No values entered
Additional coverR 0Grossed up for duty and executor fee
1

Client

Only broad planning information is needed.

2

Assets

Enter current market values.

3

Life cover

Group existing cover by who receives it.

Direct beneficiary cover may still be deemed property for estate duty. Cover paid directly to a non-spouse is not treated as a spouse deduction.

4

Liabilities and cash

Enter the deceased’s share, not household totals.

View calculation breakdown
Gross estate
R 0
Liabilities
R 0
Executor fee
R 0
Spouse deduction
R 0
Dutiable estate
R 0
Total cash available
R 0
Total cash required
R 0
?

How to use and share

A quick guide for advisers and clients.

  1. Open the calculatorUse the link or scan the QR code below.
  2. Select the marital regimeFor an in-community marriage, the calculator automatically includes 50% of jointly held assets.
  3. Choose the spouse percentagesSet the general percentage and the separate percentages for secondary property and business interests.
  4. Enter current asset valuesUse reasonable present market values. For a business, enter the full value and then select the client’s shareholding.
  5. Enter existing life coverSeparate cover paid to the estate, directly to a spouse, and directly to non-spouse beneficiaries.
  6. Add liabilities and available cashUse the deceased’s share of debts. Do not add the executor fee—the calculator estimates it automatically.
  7. Review the resultCheck estate duty, the liquidity shortfall or surplus, and the indicative additional cover required.
  8. Share the summaryUse the WhatsApp or Share button. Do not treat the estimate as a final fiduciary or tax calculation.
QR code linking to the Estate Liquidity Calculator

Scan to open

Point a smartphone camera at the code to open the calculator.

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