Cash now · family claim · annual actions
Family loan, gift or a combination of both
Compare the remaining family claim, recipient payments and permanently transferred value in three transparent scenarios.
Before calculating · 6 minutes
Protect the personal reserve before choosing a loan or gift
The insight explains why a tax exemption does not determine how much a family can sensibly transfer.
Resilient transfer
Transfer only what your own future is unlikely to require.
Personal reserve, future costs and control are tested before tax technique and document selection.
- 01Today
Income, costs and debt
- 02Stress
Care and adverse events
- 03Transfer
Amount, timing and terms
Three routes for the same family capital
A family loan, a gift or a combination of both
Compare the cash mechanics first. A loan creates a claim and payments; a gift transfers value permanently; the combination keeps a debt alongside a separate gift stream. The loan agreement, payments and each gift must exist separately — one does not automatically become the other.
The model shows cash flows and the remaining debt. It does not determine an arm’s-length rate, mortgage-interest deduction, gift tax, loan reclassification, validity of set-off or the correct document form.
Shared amount and horizon
One set of assumptions for all three routes
Payments and confirmed costs
The loan and gifts remain separate
After calculating
How to use the result
Three steps to turn the number into a clear question rather than treating it as ready-made advice.
- 01
Enter one opening amount and a realistic horizon. For a loan, use the rate and repayments the family can genuinely document and perform.
- 02
Read the scenarios through separate measures: remaining family claim, recipient cash payments and value transferred permanently.
- 03
Do not combine the loan, payment and gift in one record. Each action needs its own basis, calendar and evidence.
The result does not confirm an arm’s-length rate, loan validity, mortgage-interest deduction, gift tax or a valid set-off.
Open the full explanation →Outcome after completion
A separate view of a loan, a gift and a loan combined with independent annual gifts.
Format: calculator. Inputs and results remain in this page's memory. They reach your personal space or VB Structuren only when you choose the relevant save or question button.
Next step
The result exposes a dependency to validate before making a decision.
Read the assumptions and the weakest scenario as carefully as the headline result. If the conclusion affects the family, authority, a material asset or the company, save the result with its inputs and discuss it through the relevant service.