Estate calculator disclaimer

What the estimate leaves out

This tool does not fully model spousal deductions, marital property regimes, accrual, portable abatements or every estate-duty exemption. It uses a reference abatement of R3.5 million, then 20% on the first R30 million of dutiable value and 25% above that. Actual fees, taxes and deductions depend on the estate and the law at the time.

A policy paid straight to a person is not counted as cash. It can still affect the duty estimate. A shortfall is not an instruction to buy insurance. Advice is given only after a financial needs analysis and a client mandate.