Family Investment Company Tools

There are three calculators. FIC vs personal investing compares the tax on investing a sum through a company with investing it personally. Inheritance tax saved by a FIC estimates how much inheritance tax could be avoided on future growth. Loan repayment planner shows how parents could be repaid a loan from the company over time. Each opens on its own page with an explanation of how it works.

No. The calculators run in your browser, so the figures you enter stay on your device and are not stored or sent to us. You do not need to create an account or give your email address to use them. If you want us to look at your own position, you can book a call and tell us what the calculators showed.

They use the rates for 2026/27, including corporation tax at 25%, dividend tax at 10.75%, 35.75% and 39.35% after the £500 dividend allowance, capital gains tax at 18% and 24% with a £3,000 annual exempt amount, and inheritance tax at 40%. Rates and allowances change, so if you are reading this in a later tax year, treat the results as approximate.

They are a rough guide only. The calculators make simplifying assumptions, such as steady returns, no inflation and no running costs, so that you can compare approaches clearly. Real results depend on your investments, your other income, your family and how and when money is taken out. Please use them to see the shape of the numbers, not as a forecast or as advice.

Start with FIC vs personal investing if you want to know whether investing through a company beats investing personally for your sum. If your main goal is passing wealth on, try the inheritance tax calculator next. The loan repayment planner is useful once you have decided to lend money to the company and want to see how it could be repaid.

Because an adviser looks at your actual situation. The tools use standard assumptions, while an adviser takes account of your other income, existing allowances, nil-rate bands, the investments you will hold, costs and the order in which money will be taken out. If the numbers differ, ask your adviser which assumptions explain the difference. We can walk through both on a free call.