Use our online calculators to help you assess your current or future financial position.

By entering some simple details, you can quickly see where you might benefit from talking to a financial adviser about your plans. They’re quick and easy to use:

Have you ever tried to estimate how much Inheritance Tax (IHT) could be due on your estate? You might like to use this 'ready-reckoner' to calculate how much IHT could be due. The result may surprise you. 

This calculator is a quick guide. It does not include other reliefs and exemptions that might apply. It’s also important to note that any gifts made in the past seven years, or entitlements you may have in existing trusts**, are not included. These could increase the amount of IHT payable. 

If you’re married or in a civil partnership, IHT liability might not kick in until the second death, depending on the provisions of your Wills. 

For a quick assessment of IHT liability, insert the best estimate of the value of your assets into each of the boxes below.













1. Main residence is left to direct descendants so RNRB has been applied.

2. Calculations for couples assume that all assets are left to survivor on first death, so form part of survivor’s estate on second death.

3. IHT liability for couples assumes all properties are owned as joint tenants for RNRB purposes.

4. No account is taken of any additional nil rate bands that may be available (e.g. as a result of being previously widowed).

5. No account is taken of reduced rates of inheritance tax (e.g. where some or all of estate may be left to charities, for national purposes etc).

6. Any lifetime gifts that may have been made that reduce the available nil rate band are not taken into account.

7. Calculations for couples assume they are married/ civil partners and that both are UK domiciles.

8. The value of any pension funds and other death benefits payable on death do not form part of the estate(s).

This calculator is designed to indicate whether there may be a potential inheritance tax liability in the event of death. It is not intended to provide an accurate IHT liability, more an indication and professional advice should be sought where necessary.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

This calculator does not take into account the possible use of any exemptions that may utilised in the future.

**Trusts are not regulated by the Financial Conduct Authority.

This item is for guidance purposes only

It is not a projection and should not be treated as such.

St. James’s Place plc can accept no responsibility for any loss which may occur as a result of reliance on this information.

It is based on our understanding of current legislation and HMRC practice. It does not constitute legal or taxation advice.

The objective of this calculator is provide an indication of the monthly saving needed to fund the Gap in your required income at retirement and your expected income from existing funds.

This is based upon expected growth rate of the investments, inflation and management fees which have been input.















1. Contributions are paid monthly in advance, increasing each year by inflation, for 16 years from your current age until retirement

2. An annuity rate of 6% has been assumed to calculate pension pot at retirement

3. If any Tax Free Lump Sum is to be taken, this will reduce the pension income required.

The figure provided is an example only and not guaranteed - this isn't a minimum or maximum amount. What you will get back depends on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances

Using only the details you enter here, the results will give you a rough idea of the chances of one of the following events happening before your chosen retirement age; death, suffering a critical illness or being unable to work. The calculator uses population and industry statistics shown in the 'Description' below and your personal results are shown as a percentage. Please remember, these results are only a guide and are not certain to happen. Everyone is different, as are their financial needs. If you would like to discuss your financial needs in more detail, please get in touch.









Our Risk Reality Calculator gives a guide of something happening to someone up to a certain age. It doesn’t reflect the chances of something happening to someone at any given point in time. It’s generally accepted the older you get, the higher the chance of something happening to you which would stop you from being able to work.

The statistics used by the Risk Reality Calculator are based on a large number of people and give a reasonable guide to the average likelihood of one of the described events happening. However, we also recognise that everyone is unique, so the results should be used as a rough guide and preferably talked through with a qualified financial adviser.

The results give the probability of any one of the three described events happening between your current age and the planned retirement age you’ve selected on the calculator (between ages 55 - 70). The later you retire, the higher the chance of something happening, and this will be reflected in the calculator results.

The results are given separately for each person, as well as a combination if two people are included. For the combined results for two people, the probabilities for each person are based on different periods of time, depending on their current age and the retirement age they’ve selected on the calculator. It’s assumed that the chances of something happening to each life are not linked (the lives are independent).

Risk of being unable to work for 2 months or more

These probabilities have been calculated using our own interpretation of industry statistics, combined with our experience of LV= income protection business sold, assuming a two month waiting period and a typical occupation.

Risk of suffering a serious illness

These probabilities are based on the rates of a critical illness occurring, published by the Institute and Faculty of Actuaries’ Continuous Mortality Investigation ('08' series accelerated critical illness morbidity tables). These rates were adjusted to be applicable for standalone critical illness, based on a comparison of market experience and published morbidity tables. Using these standard rates and based on our own experience, we have also adjusted them to be applicable to the general population, which also includes people who do not have insurance policies.

Risk of death

These probabilities are based on mortality tables published by the Institute and Faculty of Actuaries’ Continuous Mortality Investigation ('08' series assured lives mortality tables). The industry rates are projected to apply to a population of insured individuals - those people who have life insurance policies.

Combined results

These results look at the probability of any one of the three above events happening before the chosen retirement age. The results can be viewed separately for each person, or as a combination for a couple, based on the industry and population results above.

Brought to you by LV. LV= County Gates, Bournemouth, BH1 2NF, UK

Use our simple mortgage calculator to see how much you could potentially borrow.

You can use the applicant income sliders or simply type in the amount you wish to borrow. The monthly payments and total amount payable figures will change as you use the tool









These results are for a repayment mortgage and are only intended as a guide. The amount you can borrow may be more or less than this. Please make sure you obtain accurate figures from your lender before committing to any mortgage.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Investing is a long-term game. Generally, the longer we leave our money invested, the greater the chance of achieving better returns. So why are we often inclined to leave it until the end of the tax year to make use of our annual Individual Savings Account (ISA) allowance? An ISA is one of the most tax-efficient, flexible and potentially rewarding investments you can make.

Use our simple ISA calculator to see how much your ISA could be worth.











These figures are only examples and are not guaranteed - they are not minimum or maximum amounts. What you will get back depends on how the investment grows and on the tax treatment of the investment. You could get back more or less than this.

The results are based on an assumed annual growth rate of 5%, an initial charge of 5% and ongoing charges of 1.7%. They do not take account of inflation.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected an may fall as well as rise. You may get back less than the amount invested.

The favourable tax treatment given to ISAs may not be maintained in the future, as they are subject to changes in legislation.


Our Clients Love Us

Having invested with SJP with the help of Jayna Shah – Director (Brighton Office) – I have nothing but praise for the diligence, and care, she affords her prospective and current clients. Her understanding of the products in relation to client needs, along with the support, are ‘second to none’. I more than highly recommend JPS to anyone.

Roger Warren Cabinet Maker, Brighton

Jayna Shah is an exceptionally devoted consultant who goes the extra mile. The Directors at Hunters have no hesitation in recommending Jayna's services to anyone searching for carefully considered pensions and investments advice. What sets Jayna apart is that she is very patient, personable and helpful. The very definition of a 5 Star service.

Patrick O’Donoghue Business owner/Director, Shoreham-by-Sea

Jayna is a professional. Clearly at the top of her game. Her work transferring my pension was exceptional!

Mark Harvey Senior Finance Manager, Hove

Jayna clearly explains all the complex aspects of retirement funding. She is patient and does not rush me to make decisions, showing me the pros and cons of various options. I am very happy with the advice and service provided by Jayna and would happily recommend her to others.

Sonja Stewart Senior Regulatory Affairs Manager

Jayna has been very helpful & professional. She provided excellent pension advice to me. I would certainly recommend her to others.

Ian Shears Brighton

Jayna is both friendly and approachable, professional and knowledgeable. It has been a pleasure to do business with her.

Xanna Chown

Jayna's advice when it comes to both my pension and finances has always been second to none. I would recommend her services. My wife has also just started a pension and is also very impressed.

Peter Holland Business owner
SJP Approved 17/04/2023

The Partner Practice is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

JPS Wealth Management Ltd is registered in England and Wales, Number 09274545. Registered Office: 14a Montpelier Place, Brighton, BN1 3BF.