LEGACY OF LOVE: Dying Jade planned her will to give her sons all she could

CAR SHARE: Jack gets Jade's VW

MY BOYS: Jade, Jack & her sons

DEVOTED: Jade's ex Jeff is guardian to Bobby and Freddie

JADE Goody made certain her playboy widower Jack Tweed wasn't left a penny of her £3million fortune.

Despite naming him as a beneficiary - which saved more than £1million in inheritance tax - tragic Jade's carefully written deathbed will ensures the 22-year-old nightclub promoter can't touch any of the cash she salted away for her two precious sons.

All Jack gets to keep are memories and his late wife's final car - a blue six-year-old VW Touareg worth about £14,000. And even that's just a gift at the trustees' discretion.

A close friend of Jade's told us last night: "It's not that she wanted Jack to have nothing. She was very generous when she was alive and he can ASK for money from the trust if he likes. But Jade was adamant that she lived for her kids. They were the most important, and everything was geared to leaving them as financially secure as possible.

"The trust funds she set up will do that. And all the efforts of her trustees will be towards maximising the amount of money available to the children."

Our revelation of Jade's huge £3 million legacy of love - in property, jewels and royalties - ends almost a year of speculation following her untimely death at 27 from cervical cancer on Mother's Day last year. In her will she left:

THREE properties worth at least £1 MILLION in total which will be sold to swell the boys' trust fund.

JUST a "small gift" of £10,000 to her feckless mum Jackiey Budden.

A SUM of £20,000 to her doting grandparents Sylvia and John Craddock to pay for their funerals.

NO massive charity donation, although trustees hope to make one to the hospital that treated Jade.

Jade's beloved sons - Freddie, six, and Bobby, five - are now living with their dad, TV presenter Jeff Brazier, who will be their guardian until his death. Jade's will spells out that should that happen before the boys grow up then guardianship passes to three of her closest friends - NOT Jackiey or the boys' stepdad Tweed, currently remanded on bail awaiting trial in April for the alleged rape of a 19-year-old girl.

Before her death Jade told the News of the World: "I want my kids to have the opportunity to do everything, to have everything and to experience everything I didn't."

Today we reveal just how the caring Big Brother legend put a plan in place to make sure her dying wish could be fulfilled.

And the pot is still growing from screen and publishing income. A string of lucrative media deals in the weeks before her death is already paying £21,000 a year for her sons' private education.

Jade's affairs are still in the hands of her executors and her will is currently passing through probate - where debts are settled, assets liquidated and the final worth calculated before it is officially published. It is likely to be settled within six weeks.

The close friend told us: "Jade's life was erratic and not everything has been easy to administer. Put it this way, not all the Is were dotted and the Ts crossed. The accountants have been working tirelessly to tie together all the loose ends. There may be some bits and pieces-assets and liabilities- still to come to light, as is often the case."

But the News of the World has the exclusive preview of the will's contents. And with the help of key figures we pieced together a detailed picture of Jade's finances.

Her rollercoaster life since finding fame on BB3 in 2002 saw her earn an estimated total of £5million. That includes around £500,000 for her best-selling celebrity perfume Shh, a million from her two autobiographies, £150,000 from personal appearances and £50,000 for doing pantomime. Land registry checks appear to show there are no outstanding mortgages on three Essex properties owned by Jade. She paid £250,000 for a terraced house at The Chase, in Harlow, in May 2005, now estimated to be worth £320,000.

Three months later she paid £415,000 for a similar home at The Gables in Ongar, now estimated at £450,000.

A year on she bought a detached villa in Waltham Abbey for £460,000, currently expected to sell for over £500,000.

A friend said: "Whenever Jade moved on she kept the houses to rent out. I think she thought of these as nest eggs for her boys."

They will almost certainly be sold off by the trustees to boost the trust funds.

Jade also had gems valued at approximately £300,000. The friend revealed: "Jade loved vintage jewellery, especially Dior. She bought some of it in Dubai. The bottom line of all this is that she'll have looked after her two young sons and no one has to worry about their financial security or education.

"They're very well provided for, and Jade will be smiling down from Heaven. It really was all she cared about in her final weeks - that her boys would have a proper schooling and not have to face the struggles she did growing up in a poor family in Bermondsey."

Jade showed keen financial acumen by setting up trusts in her will - drawn up by high-profile London-based law firm Kingsley Napley, dated February 13, 2009, signed and witnessed at The Royal Marsden Hospital.

Her friend recalled: "That was a horrible day. It felt like Jade was giving up. She knew she had to fight and she WAS fighting. But signing her last will and testament felt like she was waving a white flag. She knew she had to do it for the boys, otherwise Jack would have received half of everything outright and a life share in the rest as her next of kin. But she found it very painful." The first £312,000 of Jade's fortune has been placed in a Nil Rate Band Trust - which means that under the laws in force at the time of Jade's death it is not liable to inheritance tax.

In a covering letter spelling out her wishes Jade asked trustees to use that kitty to pay her 51-year-old mum £10,000 plus a £20,000 bequest to maternal grandparents Sylvia and John Craddock "with a request that this sum is used to pay for their funeral arrangements".

Jade asked that the rest of the cash be split between Freddie and Bobby.

Her remaining fortune, around £2.7million, is held in a Residuary Trust Fund.

Crucially, her deathbed wedding to Jack - though undoubtedly an act of love - has almost certainly saved her sons paying the taxman a hefty 40 per cent of their birthright, although the trust will still pay yearly tax at a lower rate. As well as the boys, Jack is also named as a beneficiary of this fund and assets passed on through a surviving spouse are not liable for inheritance tax.

That does not mean Tweed has any rights to the cash-it remains tightly controlled by three executors - Kate Jackson, 31, Jade's best friend and chief bridesmaid, plus picture agency bosses Danny Hayward and Simon Bridger, both 31. They were best men at Jade's wedding, Godfathers at her Christening and pallbearers at her funeral.

Solicitor Mark Spragg of Keystone Law explained: "When you give money away to a trust fund you give it away absolutely and what happens is at the discretion of the trustees."

So Jade's three pals can make payouts to Jack but it is thought unlikely. In her letter of wishes to them Jade made clear her intention was maximum cash for her sons, adding: "My husband is unlikely to require access to all of the income and capital of my residuary estate to maintain his existing lifestyle." Trustee Danny Hayward told us: "Jade was passionate that both Bobby and Freddie have the education she never had, the best schools and university too if they want to. The bulk of Jade's will is all going to go to the kids.

"There are no great gifts for anyone else. And there was no mention of a charitable donation.

"But the trustees will sit down when the estate is settled to look at making some sort of donation to the Royal Marsden Hospital

"We feel pretty strongly about that and I know Jade would be very happy if we can."

Public interest in Jade has intensified ahead of the anniversary of her death on March 22.

A new documentary by her friend Kate Jackson - called Jade: A Year Without Her - will celebrate her life and legacy. The tribute is due to be aired the day before the anniversary on LIVING TV. Royalties from the film will also go into the trust funds for Bobby and Freddie.