FE CashCalc: 4 new features that make tax planning even smarter
From surplus allocation to inherited pensions, these updates bring sharper accuracy and smoother workflows to financial forecasting.
Gross Cashflow modelling has become an essential part of modern financial advice, especially as tax rules grow more complex and clients expect more tailored strategies. For advisers and paraplanners, having the right tools to model tax-sensitive projections is critical.
In addition to the intuitive tools you already use within FE CashCalc, like digital onboarding, lifetime cashflow modelling and visual timelines, Gross Cashflow takes your planning to the next level with built-in tax intelligence and client-ready clarity.
These latest upgrades go even further, offering a more granular and realistic way to forecast outcomes, particularly where tax implications are concerned. Here’s what’s new, and why it matters for you and your clients.
1. Inherited pension forecasting: Planning with precision and care
Pensions are already complex, but inherited pensions come with their own unique set of tax rules and contribution restrictions. Now, Gross Cashflow includes full support for inherited defined contribution (DC) pensions, so you can reflect these variables accurately in long-term forecasts.
Whether it's withdrawal logic, contribution constraints or the specific taxation of inherited pots, the new inputs and display logic help ensure nothing is overlooked. It’s a subtle but significant shift that adds credibility to your planning. Consider the benefits especially for clients navigating intergenerational wealth transfer.
- Forecasts now reflect tax rules and withdrawal restrictions
- Inputs aligned with regulatory treatment
- Greater peace of mind for clients inheriting pension wealth
2. Surplus income allocation: Take control of every pound
Until now, surplus income in Gross Cashflow defaulted to the current account. This was a workable shortcut but not always the most strategic option. The tool now allows you to specify exactly where surplus income should go, whether that’s an ISA, pension or investment account (excluding inherited pensions).
This added flexibility brings two major benefits: more realistic planning (since funds behave differently in different accounts), and a more engaging experience for clients who want to see their surplus put to work.
- Choose destination accounts for surplus income
- Contributions treated with correct tax logic
- Updated yearly breakdowns for full transparency
3. Transfers: Simplify complex scenarios with one smart input
Modelling transfers used to mean manually balancing withdrawals and contributions across pots, an error-prone and time-consuming task. Now, the new Transfers section lets you easily model one-off or recurring fund transfers, including Bed and ISA, Bed and Pension and spousal transfers.
This reduces duplication, applies correct tax treatment and integrates seamlessly into the visual forecast and report outputs.
- Model tax-aware transfers between pots with ease
- Prioritise transfers over withdrawals to cover shortfalls
- Fully reflected in yearly breakdowns and reports
4. Bond withdrawal tax calculations: Eliminate manual guesswork
Advisers managing onshore and offshore bonds know how tedious and error-prone chargeable gains calculations can be. Gross Cashflow modelling automates this process, drawing on the trusted logic behind FE’s existing Chargeable Gains Calculator.
With new input fields for bond details and withdrawal types—including full encashment—you can present forecasts that more accurately reflect your clients’ potential tax exposure. It’s faster, cleaner, and more professional.
- Capture all relevant bond withdrawal data
- Forecast tax liabilities directly in reports and graphs
- Ensure better client understanding of bond impacts
More accurate planning starts here
Together, these enhancements build efficiency and help you deliver more confidence to your clients.
Whether it’s visualising complex transfers or guiding a beneficiary through inherited pensions, every enhancement points toward the same goal: helping advisers deliver advice that is more accurate, personal, tax-efficient and aligned to real life.
With FE CashCalc continuing to invest in Gross Cashflow throughout 2025, there’s never been a better time to explore how these tools can help future-proof your planning process.
