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Investment & Other Calculators
What is a Capital Gains Tax Calculator?

What is a Capital Gains Calculator?

A Capital Gains Tax Calculator helps determine how much tax a client will be liable to pay based on the profit they accumulate through an invested asset.

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Investment & Other Calculators
How do I create a forecast?

How do I create a forecast?

If you are creating a forecast for the first time, you will be taken directly into the calculator and the forecast name will be automatically generated to today's date; however, this can be changed via a shortcut menu that will appear at the top of the screen.


If there is already a forecast available, then you will be taken to the forecast selection page. To create a new forecast from this page simply click the 'Add new forecast' button; then simply enter a forecast name, select which planner you would like to appear on the forecast and click the 'Add' button.

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Investment & Other Calculators
How many assets can I enter?

How many assets can I enter?

This calculator, in its current form, allows you to enter a maximum of 5 assets per forecast.

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Investment & Other Calculators
What does acquisition cost mean?

What does acquisition cost mean?

The acquisition cost is essentially the entire amount of money invested in the asset; this includes purchase cost as well as any renovations/restorations carried out during the time the property has been owned.

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Investment & Other Calculators
What does the sale proceeds include?

What does the sale proceeds include?

The sale proceeds is the amount the property was sold for, deducting any fees which were paid during the selling of the property.

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Investment & Other Calculators
What is Entrepreneurs relief?

What is Entrepreneurs relief?

Entrepreneurs’ Relief reduces the amount of Capital Gains Tax on a disposal of qualifying business assets on or after 6 April 2008, as long as you’ve met the qualifying conditions throughout a one-year qualifying period either up to the date of disposal or the date the business ceased. Qualifying capital gains for each individual are subject to a lifetime limit as follows:


  • for disposals on or after 6 April 2008 to 5 April 2010, £1 million
  • for disposals on or after 6 April 2010 to 22 June 2010, £2 million
  • for disposals on or after 23 June 2010 to 5 April 2011, £5 million
  • for disposals on or after 6 April 2011, £10 million


Who can claim relief?

Entrepreneurs’ Relief is available to individuals and some trustees of settlements, but it’s not available to companies or personal representatives of deceased persons or in relation to a trust where the entire trust is a discretionary settlement.


More information on entrepreneurs relief can be found here.

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Investment & Other Calculators
What is Partial Private Residence Relief?

What is Partial Private Residence Relief?

If the qualifying conditions are met then a property in which the owner had previously lived in can receive a discount from the amount of the gains that are liable for CGT.


The time in which can be discounted consists of the entire period in which the property was lived in by the owner plus the last 18 months of ownership regardless whether the property was lived in or not.


The discount is calculated as follows:


(Total Gain / Total Period Of Ownership) * Time Exempt From CGT


More information on Partial Private Residence Relief can be found here.


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Investment & Other Calculators
Splitting Gains amongst spouses

Splitting Gains amoungst spouses

Gains can be gifted away to a spouse and this can be a useful method to reduce the amount of CGT that a person pays. This is because both individuals have access to the annual allowance of gains that are not taxed. This means that if one person makes gains and the other does not then their annual allowance can be used to reduce the amount of tax which is payed by receiving a gift from their partner.


In the calculator, this is done by selecting if the client is married as "Yes" and also selecting if the gains can be gifted as "Yes". This will produce an extra box of inputs as well as a slider; this slider is what controls how much of the gains are gifted. You can control what percentage of the gains can be gifted and visibly see the amount of tax which is payed by each person change in real time; along with the total amount of tax payed with that particular split.

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How does the losses work?

How does the losses work?

When it comes to CGT planning you can deduct any qualifying losses from the current year as well as unclaimed losses from the previous year against the amount of gain which has been made. This results in less overall gains being made and therefore reducing the amount tax which would have to be made.


In the calculator this is achieved by entering the values into their corresponding boxes; these values are then deducted from the corresponding category's total gains.

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Investment & Other Calculators
How do I edit or delete a forecast?

How can I edit or delete a forecast?

If you are currently on the forecast selection screen then the forecasts can be edited or deleted by clicking the corresponding buttons in the end column of the selection table.


If you are inside the calculator itself its just as easy to change/delete a forecast; hover over the 'Options' button in the top right of your screen and select either 'Edit forecast name' or 'Delete forecast' from the drop down menu.

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Investment & Other Calculators
What are the current Capital Gains Tax rates and allowances?

What are the current Capital Gains Tax rates and allowances?

Rates for 2017/18:



  • Individual allowance / exception: £11,300
  • Settlement(s) - Trustees: £5,650
  • Exemptions / allowances: Chatells- £6,000; Marginal relief- 5/3 excess over £6,000; entrepreneur's relief lifetime allowance- £10 million
  • Standard rate taxpayers' rate: 18% on gains from residential property; 10% on gains from other chargeable assets
  • Higher rate taxpayers' rate: 28% on gains from residential property; 20% on gains from other chargeable assets
  • Entrepreneur's relief- effective rate: 10%
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What difference does the number of days/ hours per week make?

What difference does the number of days/hours per week make?

These inputs have no effect on the calculations, but they do allow you to show more precise outputs to your client.

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Investment & Other Calculators
What does 'Pension contracted out?' mean?

What does 'Pension contracted out?' mean?

Contracting out pensions no longer exists; however, you may notice this still listed in your created report, due to it having recently been in place.

If a client has "contracted out" of the State Second Pension Plan (S2P), then they are subject to the rates set by the National Insurance Category Letter D.

  • Limits (2016/2017): No longer relevant for 2017/18
  • Lower Earnings Limit: - £5,832 (1.4% rebate)
  • Upper Accrual Point: - £40,040 (10.6%) tax rate

To view more about the phasing out of contracting-out, click here

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Investment & Other Calculators
How does being registered blind affect tax?

How does being registered blind affect tax?

By being registered as blind, the client is eligible for tax relief at the value of £2,320 (2017/18).

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Investment & Other Calculators
Salary / Dividend Tax Example

Salary/ Dividend Tax Example

In this video, our director, Ray Adams, walks through a Salary Tax Example:



Including dividends

By checking the 'Include Dividends?' box, you will be able to include any dividend income for the year into your salary tax calculation. It takes the tax away based on the income inserted into the 'Basic Salary' field- which then confirms the tax band the client will fall into. The net dividend payment is then added to the gross salary figures in the calculator's output to contribute towards the total take-home amount.


2017/18 Dividend tax rates:


Above £5,000, dividends are taxed for


  • Basic-rate taxpayers at 7.5%
  • Higher-rate taxpayers at 32.5%
  • Additional-rate taxpayers at 38.1%
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How is stamp duty calculated?

How is stamp duty calculated?

For additional properties, click here.


For Stamp Duty (Land and Buildings Transaction) Tax in Scotland, click here.


  • Up to £125,000 - 0%
  • Up to £125,001-£250,000 - 2%
  • Up to £250,001-£925,000 - 5%
  • Up to £925,001-£1.5million - 10%
  • Over £1.5million - 12%
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Investment & Other Calculators
How does purchasing an additional property affect stamp duty?

How does purchasing an additional property affect stamp duty?

For main residences, click here


For Stamp Duty (Land and Buildings Transaction) Tax in Scotland, click here


  • Up to £125,000 - 3%
  • Up to £125,001-£250,000 - 5%
  • Up to £250,001-£925,000 - 8%
  • Up to £925,001-£1.5million - 13%
  • Over £1.5million - 15%
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How do the Scottish LBTT rates affect stamp duty?

How do the Scottish LBTT rates affect stamp duty?


  • Up to £145,000 - 0%
  • Up to £145,001-£250,000 - 2%
  • Up to £250,001-£325,000 - 5%
  • Up to £325,001-£750,000 - 10%
  • Over £750,000 - 12%



With regards to additional properties in Scotland, there is an additional 3% charge on top of the above rates.

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Stamp Duty example

Stamp Duty example

In this video, our director, Ray Adams, walks through a Stamp Duty Example:



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Investment & Other Calculators
How does the VCT Calculator work?

How does the VCT Calculator work?

A VCT Tax Calculator helps project a clients Venture Capital Trust investments and illustrates how much tax relief they may be entitled to depending on how long the client keeps investing their money.

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Investment & Other Calculators
How can I create a forecast?

How can I create a forecast?

If you are creating a forecast for the first time, you will be taken directly into the calculator and the forecast name will be automatically generated to today's date; however this can be changed via a shortcut menu that will appear at the top of the screen.

If there is already a forecast available, then you will be taken to the forecast selection page. To create a new forecast from this page, simply click the 'Add new forecast' button; then simply enter a forecast name, select which planner you would like to appear on the forecast and click the 'Add' button.

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Investment & Other Calculators
How can I edit or delete a forecast?

How can I edit or delete a forecast?

If you are currently on the forecast selection screen then the forecasts can be edited or deleted by clicking the corresponding buttons in the end column of the selection table.

If you are inside the calculator itself its just as easy to change/delete a forecast; hover over the 'Options' button in the top right of your screen and select either 'Edit forecast name' or 'Delete forecast' from the drop down menu.

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Investment & Other Calculators
How does the EIS Tax Calculator work?

How does the EIS Tax Calculator work?

An EIS Tax Calculator helps project a clients Enterprise Investment Scheme investments and illustrates how much tax relief they may be entitled to depending on how long the client keeps investing their money.

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Investment & Other Calculators
How can I create a forecast?

How can I create a forecast?

If you are creating a forecast for the first time, you will be taken directly into the calculator and the forecast name will be automatically generated to today's date; however this can be changed via a shortcut menu that will appear at the top of the screen.


If there is already a forecast available then you will be taken to the forecast selection page. To create a new forecast from this page, simply click the 'Add new forecast' button; then simply enter a forecast name, select which planner you would like to appear on the forecast and click the 'Add' button.

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Investment & Other Calculators
How can I edit or delete a forecast?

How can I edit or delete a forecast?

If you are currently on the forecast selection screen then the forecasts can be edited or deleted by clicking the corresponding buttons in the end column of the selection table.


If you are inside the calculator itself its just as easy to change/delete a forecast; hover over the 'Options' button in the top right of your screen and select either 'Edit forecast name' or 'Delete forecast' from the drop down menu.

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Investment & Other Calculators
How does the TER / OCF Calculator work?

How does the TER / OCF Calculator work?

Our Total Expense Ratio Calculator allows clients to calculate the TER of a selection of up to 70 funds.

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Investment & Other Calculators
How can I create a forecast?

How can I create a forecast?

If you are creating a forecast for the first time, you will be taken directly into the calculator and the forecast name will be automatically generated to today's date; however, this can be changed via a shortcut menu that will appear at the top of the screen.


If there is already a forecast available then you will be taken to the forecast selection page. To create a new forecast from this page, simply click the 'Add new forecast' button; then simply enter a forecast name, select which planner you would like to appear on the forecast and click the 'Add' button.

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Investment & Other Calculators
How can I edit or delete a forecast?

How can I edit or delete a forecast?

If you are currently on the forecast selection screen then the forecasts can be edited or deleted by clicking the corresponding buttons in the end column of the selection table.


If you are inside the calculator itself, its just as easy to change/delete a forecast; hover over the 'Options' button in the top right of your screen and select either 'Edit forecast name' or 'Delete forecast' from the drop down menu.

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Investment & Other Calculators
TER/OCF example

TER/OCF example

In this video, our director, Ray Adams, walks through a TER/OCF Example:



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Investment & Other Calculators
How does the Average Growth Calculator work?

How does the Average Growth Calculator work?

Our Average Growth Calculator allows clients to calculate the average growth of a selection of up to 30 funds.

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Investment & Other Calculators
How can I create a forecast?

How can I create a forecast?

If you are creating a forecast for the first time, you will be taken directly into the calculator and the forecast name will be automatically generated to today's date; however this can be changed via a shortcut menu that will appear at the top of the screen.


If there is already a forecast available, then you will be taken to the forecast selection page. To create a new forecast from this page, simply click the 'Add new forecast' button; then simply enter a forecast name, select which planner you would like to appear on the forecast and click the 'Add' button.

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Investment & Other Calculators
How can I edit or delete a forecast?

How can I edit or delete a forecast?

If you are currently on the forecast selection screen then the forecasts can be edited or deleted by clicking the corresponding buttons in the end column of the selection table.


If you are inside the calculator itself its just as easy to change/delete a forecast; hover over the 'Options' button in the top right of your screen and select either 'Edit forecast name' or 'Delete forecast' from the drop down menu.

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Investment & Other Calculators
How does the Average Annualised Performance Calculator work?

How does the Average Annualised Performance Calculator work?

The average annualised performance calculator will look at the details of a policy and determine a number of details about how the policy performed over its lifetime.


It will produce:


  • The total monetary return
  • The total percentage return
  • The duration of the policy
  • The average annualised return (In a percentage)
  • The average compounded return (In a percentage)


It takes into account:


  • Total contributions made to the policy
  • Start and end dates
  • Total withdrawals made from the policy
  • The ending value of the policy
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Investment & Other Calculators
How can I create a forecast?

How can I create a forecast?

If you are creating a forecast for the first time, you will be taken directly into the calculator and the forecast name will be automatically generated to today's date; however, this can be changed via a shortcut menu that will appear at the top of the screen.


If there is already a forecast available, then you will be taken to the forecast selection page. To create a new forecast from this page, simply click the 'Add new forecast' button; then simply enter a forecast name, select which planner you would like to appear on the forecast and click the 'Add' button.

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Investment & Other Calculators
How can I edit or delete a forecast?

How can I edit or delete a forecast?

If you are currently on the forecast selection screen then the forecasts can be edited or deleted by clicking the corresponding buttons in the end column of the selection table.


If you are inside the calculator itself its just as easy to change/delete a forecast; hover over the 'Options' button in the top right of your screen and select either 'Edit forecast name' or 'Delete forecast' from the drop down menu.

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Investment & Other Calculators
How does the Rental Yield Calculator work?

How does the Rental Yield Calculator work?

The rental yield calculator allows you to enter an asset along with it's value, a cash account value, assumed asset income and assumed asset growth. These can then be used to produce a set of records showing the growth of the asset along with the cash amount as a result of any profitable income.


A series of expenditures can also be entered which will affect the outcome of the cash amounts value/profit as these costs will have to be covered.

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Investment & Other Calculators
There is an obvious loss but the cash account will not enter a deficit, why is that?

There is an obvious loss but the cash account will not enter a deficit, why is that?

The cash amount will never go below zero. It is assumed that the client will meet any shortfalls from elsewhere.

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Investment & Other Calculators
How can I create a forecast?

How can I create a forecast?

If you are creating a forecast for the first time, you will be taken directly into the calculator and the forecast name will be automatically generated to today's date; however this can be changed via a shortcut menu that will appear at the top of the screen.


If there is already a forecast available, then you will be taken to the forecast selection page. To create a new forecast from this page, simply click the 'Add new forecast' button; then simply enter a forecast name, select which planner you would like to appear on the forecast and click the 'Add' button.

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Investment & Other Calculators
How can I edit or delete a forecast?

How can I edit or delete a forecast?

If you are currently on the forecast selection screen then the forecasts can be edited or deleted by clicking the corresponding buttons in the end column of the selection table.


If you are inside the calculator itself its just as easy to change/delete a forecast; hover over the 'Options' button in the top right of your screen and select either 'Edit forecast name' or 'Delete forecast' from the drop down menu.

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Investment & Other Calculators
How does the Life Insurance & Critical Illness Cover Calculator work?

How does the Life Insurance & Critical Illness Cover Calculator work?

Our Life Insurance and Critical Illness Cover Calculator can produce illustrations of a clients monthly and annually expenditures by generating a breakdown of their mortgages, loans, or other payments as well as family protection and other contributions.

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Investment & Other Calculators
How can I create a forecast?

How can I create a forecast?

If you are creating a forecast for the first time, you will be taken directly into the calculator and the forecast name will be automatically generated to today's date; however, this can be changed via a shortcut menu that will appear at the top of the screen.


If there is already a forecast available then you will be taken to the forecast selection page. To create a new forecast from this page, simply click the 'Add new forecast' button; then simply enter a forecast name, select which planner you would like to appear on the forecast and click the 'Add' button.

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Investment & Other Calculators
How can I edit or delete a forecast?

How can I edit or delete a forecast?

If you are currently on the forecast selection screen then the forecasts can be edited or deleted by clicking the corresponding buttons in the end column of the selection table.


If you are inside the calculator itself, its just as easy to change/delete a forecast; hover over the 'Options' button in the top right of your screen and select either 'Edit forecast name' or 'Delete forecast' from the drop down menu.

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Investment & Other Calculators
How many children can I add?

How many children can I add?

You can add up to a maximum of 10 children to the Childcare Costs table.

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Investment & Other Calculators
Which "LIFE" is liable for the childcare costs?

Which "LIFE" is liable for the childcare costs?

To ensure Childcare Costs are appropriate for each individual user, the liability of the expenditures is dependent on how many "LIVES" have been declared.


If only "Life 1" has been declared throughout the calculator, the liability of the Childcare Costs will fall under "Life 1" expenditures.


If either "Life 2" or "Joint" is declared anywhere throughout the calculator, the liability of Childcare Costs will fall under "Joint" expenditures.

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Investment & Other Calculators
How does the Income Protection / PHI Calculator work?

How does the Income Protection / PHI Calculator work?

An Income Protection / PHI Calculator can help a client to assess their potential income protection against their current cover by comparison based on the clients salary, sick pay, existing coverage as well as any protection provided by a pension scheme.

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Investment & Other Calculators
How can I create a forecast?

How can I create a forecast?

If you are creating a forecast for the first time, you will be taken directly into the calculator and the forecast name will be automatically generated to today's date; however this can be changed via a shortcut menu that will appear at the top of the screen.


If there is already a forecast available then you will be taken to the forecast selection page. To create a new forecast from this page simply click the 'Add new forecast' button; then simply enter a forecast name, select which planner you would like to appear on the forecast and click the 'Add' button.

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Investment & Other Calculators
How can I edit or delete a forecast?

How can I edit or delete a forecast?

If you are currently on the forecast selection screen then the forecasts can be edited or deleted by clicking the corresponding buttons in the end column of the selection table.


If you are inside the calculator itself its just as easy to change/delete a forecast; hover over the 'Options' button in the top right of your screen and select either 'Edit forecast name' or 'Delete forecast' from the drop down menu.

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Investment & Other Calculators
What is the Investment & Other Calculators module?

What is the Investment & Other Calculators module?

Our Investment & Other Calculators module includes a wide range of Investment and Tax tools to help you give good quality advice to your clients.


Our Investment & Other Calculators module includes:


  • Life Insurance & Critical Illness Cover Calculator
  • Income Protection/ PHI Calculator
  • Stamp Duty Calculator
  • Capital Gains Tax Calculator
  • VCT Tax Calculator
  • EIS Tax Calculator
  • TER/ OCF Calculator
  • Average Growth calculator
  • Average Annualised Performance Calculator
  • Rental Yield Calculator
  • Chargeable Gains Calculator
  • School Fees Calculator


For more information on our new pricing structure, click here.


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Investment & Other Calculators
How do I request a trial?

How do I request a trial?

New users

If you’re a new user and would like to trial our Investment & Other Calculators, then you must register for a free CashCalc account, here. You must already have purchased or are currently trialling our core Cashflow & Onboarding module in order to trial an additional module.


You can take a trial of the Investment & Other Calculators module by logging into your account and finding the module under ‘Plans’ in the ‘My Account’ section. Here, you can trial our range of plans as well as add them to your account subscription.  


Existing users

If you’re already a CashCalc user, then you can add a trial of the Cashflow & Onboarding module in the ‘Plans’ section under ‘My Account’.


Your 28-day free trial

Your 28 Day Free Trial will allow you unrestricted access to the Investment & Other Calculators plan for the entire trial period. This includes our guides, downloadable Reports and the Premium Support service.


Throughout the trial period, you will have the opportunity to upgrade your account and continue using the tool with no restrictions, beyond the 28 days. The module costs £30 per-month + VAT, with no contracts or tie-ins.  

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Investment & Other Calculators
How can I add the tools to my package?

How can I add the tool to my package?

New users

If you're currently undergoing a trial or are new to CashCalc, you can add the Investment & Other Calculators module to your subscription in the 'Plans' section under 'My Account'.


Existing users

If you're already a CashCalc Premium subscriber, then you can add the module to your account here, and you will receive an invoice the next billing date.

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Investment & Other Calculators
Can I book a demo?

Can I book a demo?

We try to ensure that CashCalc is as user-friendly and straightforward as possible, but we have a range of training options on offer.


You can:


  • Watch a pre-recorded demonstration
  • Book a 1-to-1 demonstration (£40 + VAT for a 30-minute session)
  • Book a free group demonstration
  • Arrange for one of our trainers to come and visit you


Find out more info and book a demo in your CashCalc dashboard.


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Can I download a sample report?

Can I download a sample report?

You can access all of our sample reports in the 'Resources' section, which includes a range of downloadable reports.

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Investment & Other Calculators
How much is the Investment & Other Calculators module?

How much is the Investment & Other Calculators module?

CashCalc is a modular system, meaning you can add different tools to create your own personalised suite. Our Investment & Other Calculators module is therefore an optional addition and can be purchased for £30 per-month + VAT per-adviser.


To access our Investment & Other Calculators module also requires you to be a user of the core ‘Cashflow & Onboarding’ module, which is the base functionality of CashCalc.


You can add the Investment & Other Calculators module to your account or take a trial, in the ‘Plans’ section under ‘My Account’.


For more information on our Pricing plans, click here.

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