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Introduction
Introduction

School Fees Calculator

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Helping you to plan for and fund the cost of private education, your financial plan will incorporate strategies aimed at optimising your resources while minimising financial strain.

The number of pupils attending private school has steadily increased over the past decade, with a record 544,316 pupils now attending 1,388 Independent School Council (ISC) member schools across the UK, the highest level since records began in 1974[1].

While the cost of tuition fees can vary widely depending on the school and location, the average term fee for attending private school has risen 5% per year since 2000. Sending your child to a private school as a day pupil costs, on average, £20,586 per year, rising to £36,000 for pupils who board[2]. However, fees at some private schools can be as much as £46,710 annually.

[1] ISC Census and Annual Report, September 2022 [2] PEPF Fact Finder Tool on private education, February 2022

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Key tax-efficient solutions

ISAs

Individual Savings Accounts (ISAs) can offer a tax-efficient way to pay private school fees. An ISA is a tax-efficient investment vehicle that enables parents to put aside a certain amount each year without incurring any income or capital gains tax (CGT) on the interest or investment returns earned on the savings.

If each parent contributes their annual allowance of £20,000 a year from the child’s birth, this could accumulate to a tax-free sum of £298,000 by the time the child is 11 years old, based on 5% annual growth.* Withdrawals from an ISA are tax-free, so parents can extract funds as needed to pay for school fees without incurring any tax liability, or invest in other options, such as stocks and shares.

*These figures are examples only and they are not guaranteed – they are not minimum or maximum amounts. What you get back depends on how your investment performs, and the tax treatment of the investment.

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Offshore Investment Bonds

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected, and may fall as well as rise. You may get back less than the amount invested.  The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.

Unit Trusts and GIAs

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected, and may fall as well as rise. You may get back less than the amount invested.  The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.

Inheritance Tax (IHT) Allowance

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected, and may fall as well as rise. You may get back less than the amount invested.  The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.

Scholarships and bursaries

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected, and may fall as well as rise. You may get back less than the amount invested.  The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.

Paying upfront in advance

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected, and may fall as well as rise. You may get back less than the amount invested.  The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.

TOOLS & CALCULATORS

School Fees Calculator

Use our School Fees Calculator to quickly estimate your child's education costs. Plan smarter and be financially prepared for this important life stage.

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"If each parent contributes their annual allowance of £20,000 a year from the child’s birth, this could accumulate to a tax-free sum of £298,000 by the time the child is 11 years old, based on 5% annual growth."
Outcomes & results

Hear from some of our clients.

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We measure success not just by the numbers, but by the lasting relationships we build.
John Greenfield
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case study
A Comprehensive Approach to School Fee Management for the Smith Family
TESTIMONIAL
We measure success not just by the numbers, but by the lasting relationships we build.
John Greenfield
Position, Company name
TESTIMONIAL
We measure success not just by the numbers, but by the lasting relationships we build.
John Greenfield
Position, Company name
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FREQUENTLY ASKED QUESTIONS

FAQs

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What is the significance of having a Trust & Estate Plan in place?

The significance of having a Trust & Estate Plan in place lies primarily in ensuring that your assets are distributed according to your wishes after your passing. This plan allows you to legally specify how your estate (including property, finances, and other assets) should be managed and who should benefit from it. Additionally, it can help minimize taxes and legal fees, avoid probate, and provide for dependents or charities. Having a Trust & Estate Plan also offers peace of mind, knowing that your affairs are in order and your loved ones will be taken care of according to your intentions.

How does Apollo approach the complexities of Trust & Estate Planning?

The significance of having a Trust & Estate Plan in place lies primarily in ensuring that your assets are distributed according to your wishes after your passing. This plan allows you to legally specify how your estate (including property, finances, and other assets) should be managed and who should benefit from it. Additionally, it can help minimize taxes and legal fees, avoid probate, and provide for dependents or charities. Having a Trust & Estate Plan also offers peace of mind, knowing that your affairs are in order and your loved ones will be taken care of according to your intentions.

What are the tax implications involved in Estate Planning and how can they be minimized?

The significance of having a Trust & Estate Plan in place lies primarily in ensuring that your assets are distributed according to your wishes after your passing. This plan allows you to legally specify how your estate (including property, finances, and other assets) should be managed and who should benefit from it. Additionally, it can help minimize taxes and legal fees, avoid probate, and provide for dependents or charities. Having a Trust & Estate Plan also offers peace of mind, knowing that your affairs are in order and your loved ones will be taken care of according to your intentions.

How can Trust & Estate Planning secure the financial future of my heirs?

The significance of having a Trust & Estate Plan in place lies primarily in ensuring that your assets are distributed according to your wishes after your passing. This plan allows you to legally specify how your estate (including property, finances, and other assets) should be managed and who should benefit from it. Additionally, it can help minimize taxes and legal fees, avoid probate, and provide for dependents or charities. Having a Trust & Estate Plan also offers peace of mind, knowing that your affairs are in order and your loved ones will be taken care of according to your intentions.

What is the difference between a trust and a will, and how do I know which one is right for me?

The significance of having a Trust & Estate Plan in place lies primarily in ensuring that your assets are distributed according to your wishes after your passing. This plan allows you to legally specify how your estate (including property, finances, and other assets) should be managed and who should benefit from it. Additionally, it can help minimize taxes and legal fees, avoid probate, and provide for dependents or charities. Having a Trust & Estate Plan also offers peace of mind, knowing that your affairs are in order and your loved ones will be taken care of according to your intentions.

YOUR EXPERTS

Meet your team of experienced wealth advisors who specialise in family planning and intergenerational wealth management solutions.

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NAUMAN GODAL
Managing Partner
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NAUMAN GODAL
Managing Partner
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NAUMAN GODAL
Managing Partner
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NAUMAN GODAL
Managing Partner
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NAUMAN GODAL
Managing Partner
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NAUMAN GODAL
Managing Partner
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NAUMAN GODAL
Managing Partner
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NAUMAN GODAL
Managing Partner
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NAUMAN GODAL
Managing Partner
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NAUMAN GODAL
Managing Partner
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