Heirloom — Educational Tool
Before you begin

This is an educational diagnostic tool provided by Heirloom for general awareness and learning purposes.

The figures it generates are illustrative only. They are based on general South African legislative parameters and the figures you enter — not a personalised analysis of your estate.

This tool does not constitute financial advice, tax advice, or legal advice as defined under the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS). Heirloom is not a licensed FSP.

Before making any estate planning decision, consult a licensed financial services provider, attorney, or tax practitioner.

Use this tool to: understand how estate planning concepts work · see the types of gaps most people have · identify areas to discuss with a licensed professional

Heirloom Estate Diagnostic Tool

Educational illustration only · Not financial advice · Speak to a licensed financial planner

Illustrative figures only Not personalised advice Rates indicative Consult a licensed adviser
1. Personal
2. Marriage
3. Assets
4. Liabilities
5. Policies & RFs
6. Trusts
7. Offshore
8. Wishes
Illustration
1
Client Information
Wills Act 7 of 1953
2
Marital Status & Regime
Matrimonial Property Act 88/1984
3
Assets
Enter market values — base cost required for CGT
Fixed property / real estate
Business interests, shares & listed investments
Farming operations
Vehicles, vessels & movables
Cash, bank accounts & money market
Cryptocurrency & digital assets
Other assets (jewellery, art, loans receivable)
4
Liabilities & Administration Costs
s4(a)–s4(f) deductions
Liabilities (deductible under s4(a))
Administration cost estimates
5
Life Insurance & Retirement Funds
Pension Funds Act s37C — RFs outside estate
Retirement fund benefits fall outside the estate and are not subject to estate duty. Life policy treatment depends on policy ownership and beneficiary nomination.
Life insurance policies
Retirement funds
6
Trust Interests
Trust Property Control Act 57/1988 · s7C ITA
7
Offshore & Foreign Assets
s16(c) DTA credit · s9H deemed disposal
Foreign situs assets are included in the SA dutiable estate. Foreign duty paid may be credited under s16(c). Confirm DTA applicability.
8
Testamentary Wishes & Planning Context

Educational Illustration

Overview
Estate Flow
Calculations
Scenarios
Common Gaps to Explore
Self-Assessment
Planning health check
Key metrics
Estate composition
What-if adjustments — live recalculation
Adjust assumptions — results update instantly
Assets transferred into inter vivos trust — removed from dutiable estate
Additional liquid assets available to meet estate obligations
Bequests to registered PBOs reduce the dutiable estate rand-for-rand
R100 000 p.a. exempt donation each year — cumulative estate reduction
Estate flow — asset transfer on death
Estate duty illustration — Estate Duty Act 45 of 1955
§Estate duty waterfall
CGT on death illustration — ITA s9HA
%CGT on deemed disposal at death
Illustrative costs — Administration of Estates Act 66/1965
RCost estimate
Illustrative liquidity position
💧In-estate liquid assets vs total obligations
Marriage regime — general educational notes
⚖Regime analysis
Donations tax — general educational notes

Illustrative comparison — current vs adjusted figures

Proposed plan uses slider adjustments from the Overview tab
▲Impact summary — what the proposed plan achieves

Educational note: These are common estate planning considerations based on the illustrative figures entered. They are not advice. Speak to a licensed financial planner before taking any action.

These are common estate planning considerations based on the figures entered. This is educational illustration only — not advice. Speak to a licensed financial planner.

Self-assessment checklist — illustrative only. Speak to a licensed financial planner before taking any action.

Important — Educational Illustration Only. This tool is provided by Heirloom for general educational and awareness purposes. It does not constitute financial advice, tax advice, or legal advice as defined under the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS). The figures generated are illustrative only, based on general legislative parameters, and are not a personalised analysis of any individual's estate. No reliance should be placed on these outputs. Before making any estate planning decisions, consult a licensed financial services provider, attorney, or tax practitioner. Heirloom is not a licensed FSP. Legislative rates and thresholds are subject to annual Budget amendment and should be verified before use. Estate Duty Act 45/1955 · Income Tax Act · Administration of Estates Act 66/1965 · Matrimonial Property Act 88/1984.