Free Estate Health Check

Can Your Family Afford
You Dying Today?

Answer 5 sections about your assets, debts and income. We'll tell you if your estate is solvent, how long your family will survive, and exactly what you need to fix.

1
You
2
Assets
3
Liabilities
4
Income
5
Results
About You & Your Family
This helps us understand your family's dependency on your income and what your estate needs to provide for them.
💡 Be as accurate as possible — the more honest your inputs, the more useful your results will be. All data stays on your device and is never stored or shared.
Dependants
How many years must your estate support your children?
Cover in place
Your Assets
List everything you own. These form your gross estate. Enter the current market value (what you could sell it for today).
Property
R
R
Vehicles & personal assets
R
R
Financial assets
R
R
R
Note: retirement funds may pay directly to beneficiaries, outside the estate
R
Business interests
R
R
Costs at death (automatically calculated)
⚠️ These costs are deducted from your estate before your family receives anything. We calculate them automatically based on SA law.
R
R
Your Liabilities & Debts
List all outstanding balances. These are deducted from your estate. Your family inherits what's left after debts are paid.
Property debt
R
R
Vehicle & personal debt
R
R
Credit & store accounts
R
R
Business & tax
R
R
R
R
Monthly Income & Expenses
This tells us how long your family can survive on savings if your income stops, and what monthly income gap your family faces.
Monthly household income
R
R
R
R
Monthly household expenses
💡 Enter your family's monthly expenses — what it costs to keep the household running. Be realistic — underestimating this is the most common mistake in estate planning.
R
R
R
R
R
R
R
R
R
R
🟢
ESTATE SOLVENT

Well covered

Your estate appears to be in good shape.

Net estate value
—
Assets minus all debts & costs
Family survives
—
Months on savings if you die today
Monthly shortfall
—
Income gap your family faces
Insurance gap
—
Extra cover needed
Estate duty
—
20% above R3.5M threshold
Executor fees
—
3.5% of gross estate

📊 Estate Breakdown

Gross estate (total assets)—
Less: total liabilities—
Less: executor fees (3.5%)—
Less: funeral costs—
Less: estate duty payable—
= Net estate left for family—

⏱️ Family Survival Timeline

If you died today and your income stopped — how long before your family's money runs out?

Month 0Savings depleted at month —
Note: This assumes your family continues spending at the same monthly rate and that savings/investments are the only source of funds after your income stops. Spouse income (if any) is factored in.

🛡️ Life Insurance Analysis

Income needed per month (after your death)—
Spouse / partner income available—
Monthly shortfall to cover—
Years family needs covering—
Total cover needed—
Life insurance you currently have—
Insurance gap (shortfall in cover)—

Your Personal Action Plan

Get Professional Assistance

Our team can help you fix every item in your action plan — from drafting your will to increasing your life cover and registering a trust.

💬 WhatsApp Us 📧 Email Banzi
⚖️ Important — this is not legal, tax or financial advice

This tool provides general estimates only, based on the figures you enter and standard published rates. It does not constitute legal, tax or financial advice, and does not take your full personal circumstances into account.

Executor fees, estate duty thresholds and other amounts change from time to time and may differ in your case. Your actual estate position will depend on your will, your marital regime, your beneficiaries and applicable legislation, including the Administration of Estates Act 66 of 1965 and the Estate Duty Act 45 of 1955.

Please speak to a qualified professional before acting on anything shown here. Future Planner accepts no liability for decisions made on the basis of these estimates.