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10 Tax-Aware Features We’ve Built into FE CashCalc for 2026

Financial planning is evolving fast, and so are the expectations placed on advisers. Clients expect not just a clear financial roadmap, but one that reflects the real tax implications of their decisions. Find out why this matters in our recent article.

That’s why we made a series of enhancements to FE CashCalc throughout 2025 and continue into 2026, designed to bring greater clarity and speed to your planning process. 

If you’re looking for financial planning tools that help you manage risk, reduce admin and stay focused on strategy, these 10 features you might not be using demonstrate why FE CashCalc remains in consideration for the best financial planning software for financial advisers. 

1. Savings Interest & Dividends Tax Calculation 

Model income tax and dividend tax on savings and investment accounts including tax-free allowances and thresholds. This is critical for tax planning across GIA, ISAs and cash savings. 

  • Enhances accuracy of passive income forecasts 

  • Helps you demonstrate after-tax returns 

  • Supports more confident portfolio management 

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2. Inherited Pension Logic

Handling inherited defined contribution pensions can be a technical minefield. Our new logic allows you to reflect the specific tax treatment, withdrawal rules and contribution restrictions that apply to inherited pensions, ensuring accurate, compliant forecasts in complex estate scenarios. 

  • Reflects tax rules and contribution limits 

  • Provides clarity for intergenerational planning 

  • Reduces manual input and error risk 

3. Chargeable Gains Tax on Bond Withdrawals 

Whether onshore or offshore, bond withdrawals are a common source of confusion. FE CashCalc now automates chargeable gains tax calculations, using the same reliable logic from our Chargeable Gains Calculator tool. Forecasts now show tax liability impacts directly in the cashflow model. 

  • Eliminates manual calculations 

  • Supports full or partial encashment 

  • Enhances trust with high-net-worth clients 

SOLUTIONS INSTI – Document Production 1

4. Surplus Income Logic

With surplus income now assignable to specific savings vehicles, advisers can better demonstrate inheritance tax (IHT) planning strategies in action. Contributions are automatically treated with appropriate tax logic and visualised in annual breakdowns. 

  • Opens up more IHT planning opportunities 

  • Supports estate planning conversations 

  • Improves scenario accuracy 

5. Transfer Modelling Features 

Transfers between investment pots can now be fully modelled, whether they’re one-off or recurring. You can handle Bed and ISA, Bed and Pension or spousal transfers without error-prone manual balancing. Each transfer is treated according to the tax rules of both source and destination, and is fully reflected inside yearly breakdowns and reports.  

  • Enables accurate wrapper strategies 

  • Removes duplicate inputs 

  • Supports after-tax transfer forecasting 

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6. Capital Gains Tax (CGT) Logic

Capital gains can materially impact retirement income, portfolio strategy or estate plans. Our CGT logic automatically applies allowances, exemptions and tapering rules to investment disposals, making sure your client always sees the full picture. 

  • Models the most tax efficient withdrawal strategy 

  • Reduces risk of misleading cashflow outcomes 

  • Ensures tax allowances are correctly applied 

  • Essential for financial adviser tax planning 

7. Pension Salary Sacrifice Modelling 

For years, this has been one of the most powerful ways to boost retirement savings tax-efficiently – though soon to be taxed – salary sacrifice planning is now fully integrated into FE CashCalc. This helps you model the effect on both contributions and net take-home income. 

  • Helps showcase the value of pension contributions 

  • Supports workplace benefit advice 

  • Streamlines retirement planning conversations 

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8. Defined Benefit (DB) Pension Income – Variable

Not all DB pensions are fixed. This update allows you to model income from defined benefit schemes with built-in variability, reflecting real-world payment structures and client expectations. 

  • Provides accurate cashflow forecasting to 6.18 million public sector personnel (Source ONS) 

  • Supports DB lump sums, phased retirement or partial transfers 

  • Enhances accuracy in gross cashflow modelling 

  • Useful for legacy scheme reviews and older clients 

9. Survivor Analysis 

Plan for the future of a client’s dependants with survivor modelling tools that simulate the financial impact of one partner’s death, adjusting income, tax and asset drawdown projections accordingly. 

  • Essential for tax-aware estate planning 

  • Supports vulnerable client conversations 

  • Builds trust through proactive foresight 

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10. Standalone IHT Calculator

Quickly estimate a client’s IHT exposure and explore mitigation options without needing to build a full model first. Ideal for use early in client discussions or when reviewing family wealth strategies. 

  • Saves time in discovery meetings 

  • Demonstrates your value as a strategic adviser 

  • Pairs perfectly with IHT planning reports 

The smart platform supporting better outcomes 

At FE fundinfo, we’re constantly evolving our financial planning software to help you deliver the highest standard of service. These updates make FE CashCalc even more tax-aware, more accurate and more adviser-friendly. 

If you're still relying on spreadsheets or disconnected tax planning tools, it may be time to explore how our platform supports better financial planning and tax management all in one place.

Explore FE CashCalc today and discover why we’re the go-to provider of financial planning software for advisers.