First death · interest · early repayment
Children’s claims and survivor-liquidity calculator
Connect the first spouse’s estate, the children’s claims, inheritance tax, the current debt value and the survivor’s protected reserve.
tool
minutes
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Outcome
Two scenario views: first-death tax liquidity and a possible early-repayment decision.
Format: calculator. Complete it on the page or print it. Answers are not sent to VB Structuren.
Decision moments · 2026
Children’s claims, tax and the survivor’s liquidity
Two connected models: the first death and a possible early repayment. Use rounded amounts only. A blank field means ‘unknown’, not zero.
Privacy: All figures remain in this page’s memory and disappear on refresh.
01 · First death
Record the estate, the children’s nominal claims and the first liquidity requirement.
02 · Early-repayment decision
Compare the debt, an indicative present-value threshold, the possible gift-tax review and the survivor’s protected reserve.
Connect it to the system
A working map identifies the question. Review confirms the facts and route.
Read the chapter context first. If the decision affects the family, documents or a material asset, move the question into the relevant service route.