Features
Everything a family needs to look after a parent’s money
Gifts and Inheritance Tax, care fees, NHS evidence, attorney records and documents, in one shared workspace that does the sums and reminds you before deadlines. Every area ends in a pack someone official will read.
Gifts and Inheritance Tax
A gift record the executor can rely on
When someone dies, their executor has to list the gifts they made in the seven years before, and prove any exemptions. Without records, that is guesswork. Seventide keeps the record as gifts are made.
- One-off and recurring gifts, to people, trusts and charities
- Exemption engine: spouse or civil partner, charity, wedding, small gifts, regular gifts from income, annual exemption with carry-forward
- Potentially exempt and chargeable lifetime transfers, 7-year clocks and taper relief
- Income and spending test for gifts from surplus income, year by year
- Estate estimate, nil-rate band and residence nil-rate band use
- Working schedule in the layout of HMRC form IHT403
Deprivation of assets guard
A warning before a gift that could cause problems later
If a council thinks money was given away to avoid paying for care, it can treat your parent as if they still had it. Because Seventide holds both the gift history and the care timeline, it can flag a gift made when care may have been foreseeable, and keep a note of the reasons for it.
- Plain-English explanation of what councils look at
- The reason for each gift recorded at the time
- A schedule of gifts for the council if they ask
Paying for care
Know when savings will reach the council’s limits
Care can cost well over a thousand pounds a week, and council help is not usually backdated to before you asked. Seventide projects your parent’s savings month by month and warns you well before they reach the threshold.
- Means test rules for England, Wales, Scotland and Northern Ireland
- Funding position, tariff income and property disregards
- Monthly capital projection with alerts 6, 3 and 1 month ahead
- Care contracts, invoices, top-ups and NHS-funded Nursing Care
- Timeline of every call and letter with the council
- Capital statement, fee history and timeline packs
NHS Continuing Healthcare and benefits
Evidence gathered by the whole family, every day
NHS Continuing Healthcare pays the full cost of care when the main need is a health need. Decisions depend on evidence across 12 areas of care. Seventide lets everyone add what they see, in about 20 seconds, so nothing is forgotten on assessment day.
- Evidence diary across the 12 care domains, with voice dictation
- Level descriptions to help you describe needs accurately
- Assessment timeline with review and appeal deadlines
- Letter templates and a printable evidence pack
- Attendance Allowance screener, care needs diary and claim tracker
Attorney records
The accounts and decision log the OPG expects
Attorneys must keep their donor’s money separate, keep accounts and be able to explain significant decisions. Seventide records each transaction against the attorney who made it, and keeps decisions with the reasons and who agreed.
- Lasting Power of Attorney and deputyship details on the parent’s profile
- Decision log with best-interests templates and co-signature
- Attorney expenses with receipts
- A report ready for an Office of the Public Guardian request
Money and documents
Balances, statements and paperwork, all searchable
Keep account balances up to date and import bank statements in a few clicks. Photograph letters and contracts with your phone, and find them later by searching the words inside them.
- Statement import for Barclays, HSBC, Lloyds, Nationwide, Santander, Monzo, Starling and most other layouts
- Duplicates removed and categories remembered
- A reminder when a balance has not been updated for 35 days
- Encrypted document vault with camera capture, cropping and text search
- Key documents checklist that shows what is missing and where to get it
For the whole family
Everything else that makes it work
Family workspace
Owner, attorney, family, parent and professional roles. Choose which areas each person sees. Invite by email or link. Activity feed, comments and @mentions.
Consent and dignity
Record your parent’s consent with a drawn signature, a signed paper form or a witnessed declaration, or the attorney’s declaration. Your parent can always see their own record.
This week
One list of what needs attention: deadlines, balance updates and alerts. Reminders by email, in the app and as phone notifications, with no private details shown.
Plain-English explanations
Every rule explained in a short paragraph, with why it matters. Each figure shows the tax year it applies to and when it was last checked against the official sources.
Executor pack and archive
When the time comes, one pack for the executor and a read-only archive of every record, kept for as long as you choose on a reduced archive plan.
Security and privacy
Per-family encryption, UK hosting, passkeys or an authenticator app, sign out of other devices, full download and deletion with a certificate.
Seventide records information, does calculations using the published rules and explains them in plain English. It is not financial, legal, tax or care advice, and it never moves money. For decisions about trusts, investments, selling a home or equity release, speak to a qualified, regulated professional.
See it with your own family’s details
Try every feature free for 14 days. No card needed.