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

Client

Only broad planning information is needed.

Client name or initials Marital regime

Other estate assets to spouseExecutor charges VAT

Enter current market values.

Primary residence

Other properties

To spouse Balance to non-spouse

Cash and investments

Vehicles, personal effects and other assets

Full business value

Your shareholdingBusiness interest to spouse Balance to non-spouse

Group existing cover by who receives it.

Paid to the deceased estate

Paid directly to spouse

Paid directly to non-spouse beneficiaries

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.

Enter the deceased’s share, not household totals.

General liabilities, bonds and debts

Other estate costs Exclude executor fee

Other liquid cash available Only if not included above

View calculation breakdown

A quick guide for advisers and clients.

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

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