From policy document to cited calculation, in minutes.
ParaplanAI extracts the key figures from your policy documents and turns them into HMRC-cited tax calculations — in minutes.
AI reads the documents; it never does the maths.
85 HMRC worked examples · 0p tolerance · UK-hosted
Compare the estate before the pension change with its position from 6 April 2027, when many unused pension funds and death benefits enter the estate for inheritance tax.
Pension IHT (April 2027) →Upload. Extract. Done.
Upload a provider statement, P60, DB or DC annual statement, or a bond chargeable-event certificate. ParaplanAI reads the figures off it; you confirm the few it flags. No re-keying — and what comes out is a document for the file, not just a number.
Reading and keying a provider statement by hand is the best part of 20 minutes. ParaplanAI does it in under a minute — you confirm the figures it flags.
Plan Information Research Pack — included.
Confirm the extracted fields once and the same facts produce a firm-branded Plan Information Research Pack — a plain-English summary of the policy facts you can save to the file, attach to a client, and export as PDF or Word. The same confirmed facts also feed the deterministic calculation — no second upload, no re-keying.
- Editable Word document and a PDF
- Firm-branded — your cover, headers and disclaimer
- Every unconfirmed field flagged
- Confirm once — no re-keying
Uploaded PDFPlan_Information.pdf · 14 pages
Plan information
A provider letter containing the planholder, policy reference, transfer route and benefit options is ready to be checked.
- Provider
- Aldermere Assurance
- Plan number
- 742KX318
- Planholder
- Eleanor Whitcombe
Structured output7 fields · 100% confidence
Extracted record
Verified- Provider
- Aldermere Assurance
- Adviser firm
- Meridian Wealth (North) Ltd
- Plan number
- 742KX318
- Planholder
- Eleanor Whitcombe
- Date of letter
- 10 December 2025
- Transfer route
- Origo Options
- UFPLS available
- Yes
Choose a calculation, run the figures.
Choose your calculation, run it on the confirmed figures, and save it to the file.
Lump Sum Allowance, TTFAC, top-slicing relief, annual allowance and carry-forward — pick one, run it on the figures you confirmed, and save the calculation to the client file. The AI reads the documents; it never does the maths. You can run a real case on the bond calculator now, with no sign-up.
- Step 1
Document
Upload a policy statement or provider pack.
- Step 2
Extract
Key figures read off and flagged for confirmation.
- Step 3
Calculate
HMRC-cited arithmetic, to the penny.
- Step 4
Savable PDF
A signed, firm-branded document for the file.
Every figure, traced back to the manual.
Every figure is calculated in code against HMRC's published rules and checked to the penny against HMRC's own worked examples. Each calculation is assembled from named HMRC sources — IPTM3820, PTM057100, PTM055100, PTM171000 — and the result carries the citation back, including the post-2021/22 PSA recalculation (IPTM3820 / HMRC Agent Update 83 (2021)) that many tools still haven't updated. Run the same case on the bond calculator with no sign-up, or read the corpus at /trust.
HMRC sources
- IPTM3820 — Chargeable events
- PTM057100 — Annual allowance
- PTM055100 — Carry forward
- PTM171000 — Lump sum allowance
Engine
Cited calculations
- Top-slicing relief
- Annual allowance
- Carry forward
- Tapered allowance
- Lump sum allowance
The time it takes back.
Move the sliders to reflect your own caseload. This illustrative estimate is simple arithmetic from the values shown; the time and outsourced-rate assumptions are set out in the methodology note. Actual time and costs vary by practice.
£500 a month
≈ 10 hours a month using the starting assumptions shown here. Move the sliders to reflect your own caseload when the interactive version loads.
Illustrative estimate using the values shown, 20 minutes per provider pack and an assumed outsourced rate of £50/hour. Actual time and costs vary by practice.
The output is a document you can file.
Every run produces a PDF like this.
The figure on the left is the engine's own regression case — the same arithmetic the annex carries, to the penny.
- The figure, and the working behind it
- The HMRC reference each step is built on
- Your firm branding, cover and disclaimer
- A version stamp — replayable six years on
Per user, per month.
Three calculations per month so you can run a real case before paying.
- 3 calculations / month
- 3 document extractions / month
- ParaplanAI-branded PDFs
No card required · no time limit.
For a single adviser or paraplanner. Unlimited calculations and PDF reports.
- Unlimited calculations
- 30 document extractions / month
- Branded PDFs — your firm's logo + colour
Card required · cancel any time before day 14 — no charge.
Per user. Every team member counts as a paid seat. Unlimited calculations and PDF reports, shared clients, firm-wide audit trail.
- Unlimited calculations
- 50 document extractions / user / month
- Branded PDFs
- Shared clients across the whole team
- Firm-wide audit trail
Card required · cancel any time before day 14 — no charge.
Common questions.
Where does the calculation come from?
Each calc cites the relevant HMRC PTM/IPTM paragraph and the underlying statute. The engine carries a version stamp; saved scenarios remain reproducible against the version they were signed under.
Is ParaplanAI giving regulated advice?
No. ParaplanAI is a calculation and reporting tool used by the regulated adviser. It produces the figure and the working — recommendation and suitability remain yours.
What about client data?
Uploaded source documents are deleted within 24 hours of upload. The figures extracted from them are kept — whether or not you confirmed them — until you delete them. You control retention: delete any client, policy or calculation in one click, and finalised calculations are kept only for the window your firm sets (six years by default). All data is held in encrypted UK databases and is processed entirely within the UK and EU.
Can I use my own PDF template?
On the Firm plan. Upload your firm cover sheet, headers, signature blocks and disclaimer; calculation data populates from the scan. Up to 5 templates per firm.
What about the tax-year change?
Statutory inputs for the new tax year are loaded as draft from the moment HMRC publishes them and confirmed within 48 hours. Old scenarios show a banner if the rules change.
How long does onboarding take?
A short walkthrough, then run a real case with your own figures. Most teams put through a first live calculation the same day.
Run a real case end to end.
Run a real bond case on the calculator now, with no sign-up — or start free and put a first case through end to end.