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.
Before calculating · 10 minutes
Reconstruct the claim history before modelling a payment
The article explains the decisions and evidence needed after the first death and why nominal debt is not the same as a safe early payment.
Human outcome
Describe life after the event before choosing the document.
A partner's home, fairness between children and business continuity may require different solutions that must work together.
- 01Protection
Housing and income
- 02Fairness
Heirs' interests
- 03Continuity
Roles and responsibility
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.
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
Complete block 01 from the confirmed estate, debts and tax records; its result remains preliminary.
- 02
For block 02, use the claim and interest actually recorded for each child. Use it only when an early payment is genuinely under discussion.
- 03
A possible-gift or deficit signal means stop and review, not pay. Reconcile the amount, interest and documents before moving funds.
The model uses a general Dutch-law scenario and 2026 parameters. It does not replace a will-specific calculation, tax position or written civil-law notary and tax-adviser confirmation.
Open the full explanation →Outcome after completion
Two scenario views: first-death tax liquidity and a possible early-repayment decision.
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.