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Human Law
THE OUT-OF-COURT EXECUTOR • APPENDIX D1

Estate Carrying-Cost Calculator

Estimate ongoing cash outgoings during estate administration. Model recurring property and asset holding costs across 1, 3, 6, and 12 months using your own figures.

Use this with the estate-position worksheet (D2) to give executors, beneficiaries and advisers a shared overview of the estate and the cost of delay.

Transparent Arithmetic Model: This tool illustrates estimated cash outgoings based entirely on user inputs. It does not measure financial loss legally caused by delay, calculate court or tax deadlines, or provide tax or legal advice. All calculations remain private in your browser. Figures are saved only for this tab’s browser session. Clear entries removes the saved figures. Figures are not sent over the network.
£0.00 Estimated Cash Outgoing (6 mos)
£0.00 / mo Recurring net monthly outgoing (excludes one-offs)
£0.00 / day Average daily net outgoing over selected period (includes one-offs)
Overseas assets or costs? (optional)

Enter all figures in pounds. If converting overseas amounts, record the original currency, exchange rate and conversion date below.

Human Law does not advise on foreign law or overseas tax. Seek appropriate local advice where required.

Step 1 of 3 • Timeframe

Select Comparison Period

Choose an illustrative scenario duration to compare ongoing holding outgoings over time.

Step 2 of 3 • Recurring Expenditure

Ongoing Monthly Estate Outgoings

Enter known or estimated costs to maintain and preserve estate assets during administration. Use monthly amounts unless selecting / year below. Some spending is needed during ordinary administration; a dispute may prolong some of it. Continuing expenditure is not automatically a loss caused by delay or recoverable from another party.

1. Property Finance & Secured Liabilities
Mortgage payments, bridging finance, or secured loan interest. Capital repayments reduce liabilities rather than representing pure loss.
2. Council Tax, Ground Rent & Service Charges
Local authority rates (occupied/unoccupied), block management service charges, or ground rent.
3. Insurance & Standing Utilities
Specialist unoccupied building/contents policies, standing gas, electricity, water, and broadband charges.
4. Security, Inspections & Maintenance
Periodic insurer-mandated inspection visits, keyholding, security monitoring, gardening, and basic upkeep.
5. Professional Fees & Regular Disbursements
Ongoing estate accountancy, regular administration costs, or appointed asset management fees.
6. Miscellaneous & Sundry Outgoings
Storage lockers, mail redirection, vehicle insurance/tax, lock changes, urgent chattel safeguarding, or known monthly HMRC Inheritance Tax interest.
Step 3 of 3 • Offsets & Context (Optional)

One-Off Expenses & Offsetting Income

Record one-off outgoings or ongoing estate income to reflect the realistic net cash position.

Known One-Off Expenses (£)
House clearance, urgent structural repairs, RICS valuations, probate application fees, or accrued HMRC Inheritance Tax interest entered once.
Recurring Monthly Income (£ / month)
Regular rent received from tenanted property, regular dividend distributions, or interest.
Working Total Estate Value (£)
Estimated net asset value to calculate the carrying cost as a proportion of the estate.

Human Law • Illustrative Estate Carrying-Cost Summary

SRA-regulated firm No. 657838 • Client-Side Arithmetic Record

Illustrative Summary Generated

Your figures have been compiled. Print this summary, save it as a PDF, or download a text record.

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