Tax & Estate - sonuswealth

- Tax

Every UK tax that touches your money.

We model the tax that actually applies to your circumstances - not a generic calculator. Year by year, allowance by allowance, with the cliffs and tapers drawn where they are, not where they were.

Income tax + NI

England/Wales/Scotland bands respected. Cliffs at £100k, taper at £125k.

Capital Gains

Annual exempt amount, residential vs non-residential, BADR, gift hold-over.

Dividend tax

Allowance, basic/higher/additional, planning around the dividend trap.

Pension allowances

Annual allowance, taper, MPAA, carry-forward, LSA/LSDBA.

ISA & savings

£20k limit, PSA, starting rate band - used and unused, year by year.

Property tax

SDLT (incl. second-property surcharge), residential CGT, rent-a-room.

- Estate

What happens when it passes on.

Most people understand their wealth as long as they're alive. Sonuswealth shows you what happens after - what passes to whom, what the IHT bill is, where the mitigation levers are, and which assets get caught.

IHT modelling

Your current bill, year by year.

NRB, RNRB, taper, BPR, APR, gifting windows, the 7-year clock - all live. Run a gift, mortality date, or trust scenario and see the IHT bill move in real time.

Sonu checks the boundary

Rules, numbers, and the line we will not cross.

Tax and estate planning gets risky when a tool blurs guidance into advice. Sonu surfaces the rule, the source, the assumption, and the consequence before you act.

Estate flow

Who gets what, in what order.

A diagram of how your estate flows to beneficiaries - assets, residence, debts, paid order.

Trusts & gifting

Modelled, with the rules respected.

Discretionary, bare, interest-in-possession — periodic and exit charges respected under the current trust regime. In force since 6 April 2026: BPR/APR 100% relief capped at £1M per person (with no automatic spousal transfer; lifetime planning required to use £2M combined); 50% relief above.

- Sample IHT walk-through

What IHT modelling reads like.

A worked example. Same household across three scenarios - "do nothing", "use gifting", and "use gifting + BPR". Numbers placeholder; mechanics real.

Profile - couple - estate £1.92m

Three scenarios, one click apart.

Scenario A - Do nothing.
Estate £1.92m. NRB £325k + RNRB £175k each (joint £1M). Taxable £920k. IHT bill £368,000.

Scenario B - Use unused gifting allowance + surplus income.
Apply the £3k annual gift exemption (carries forward one year if unused: £6k per spouse, £12k per couple maximum immediately). Add 2 years of £6k/yr gifts out of surplus income (s21 IHTA 1984 — unlimited, must be regular and from after-tax income). £24k removed. Taxable £896k. IHT bill £358,400. Saving £9,600.

Scenario C - Add BPR-qualifying business assets.
You hold £85k of BPR-qualifying business equity — exempt after 2 years, well inside the £1M BPR/APR cap in force since 6 April 2026 (with no automatic spousal transfer; lifetime planning required to use £2M combined). Taxable £811k. IHT bill £324,400. Total saving from baseline £43,600.

Modelled live

Toggle, don't refile.

Each scenario above is a toggle - no spreadsheet rework, no re-input. Toggle on, toggle off.

7-year clock

Every PET tracked.

Every gift dated and tracked from year 1 to year 7. Visualised for client and family.

- UK IHT reality

The numbers that hide in plain sight.

Most British households don't think IHT applies to them. Many are wrong. The frozen threshold + rising house prices means more estates cross it every year.

UK IHT receipts

£7.5bn

Inheritance Tax collected by HMRC in the most recent tax year - up from £4bn ten years ago.

HMRC - annual receipts

NRB frozen since

2009

Nil-Rate Band has been frozen at £325,000 since 2009 — silent fiscal drag.

HMT - IHT thresholds

UK estates paying IHT

5.1%

Share of UK estates paying any IHT - projected to double by 2030 under current freezes.

OBR - fiscal outlook

Average IHT bill

£214k

Average IHT bill for estates that pay any - most of it avoidable with earlier planning.

HMRC - estates data

- Yearly updates

Every Budget. Every tax-year roll-over.

The UK tax code changes constantly. Bands shift. Allowances freeze and then thaw. Pension freedoms expand. ISAs gain new variants. We track every change and re-model your plan automatically - you don't have to update us.

When the Chancellor stands up on Budget day, we're listening. By the next login, your numbers reflect what changed.

- Worked example

What Tax & Estate does for a real household.

Paul, 62, married, £812k SIPP, £540k home, £180k ISA. He's been quietly worried about the April 2027 IHT change since the Autumn Budget. Sonuswealth's Tax & Estate surface ran the numbers in 90 seconds.

Paul - 62 - pre-retirement - married

£212,800 of April 2027 IHT exposure he didn't know he had.

IHT today

£0

Estate £720k - joint NRB + RNRB allowances £1M

→

IHT from April 2027

£212,800

SIPP joins the joint estate - 40% above £1M

Sonuswealth flagged the April 2027 change in onboarding, modelled three drawdown paths that move £580k out of the SIPP over four years (into ISA wrappers, lifetime gifts within the PET window, and a 10% charity allocation), and computed the residual exposure under each path. And a second layer: if Paul dies after 75, his children also pay income tax on whatever's left in the SIPP at their marginal rates — same pound taxed twice from April 2027. Paul chose the middle path. Took the printout to his accountant. Decision confirmed in a single 30-minute meeting. April 2027 exposure dropped from £212.8k to ~£12.8k.

Surfaces used: Tax & Estate (canonical) - Cashflow (re-projection) - Decisions (path comparison) Read the April 2027 deep-dive →

Names are illustrative composites; the engine, rules, and maths are real and current. Sonuswealth gives information and guidance only, not regulated advice - Paul's decision needed his accountant's sign-off, and so will yours.

“Built around UK tax. Updated every Budget. Not bolted on.”

See your tax & estate map.

Get early access

UK-native.Not a US tool dressed up.