# uk.co.simplyestate/estate-planning

- Registry name: `uk.co.simplyestate/estate-planning` · version 1.0.0
- Categories (automatic, keyword rules): Payments & accounting, Finance & markets, Research & knowledge, Search & data, Maps, location & weather
- Authentication at last check: No auth
- Declared risk: Not declared (tools carry no read/destructive hints)
- Capabilities (declared by the server): tools
- Transports: streamable-http
- Latest numbers (check success, response time, rank): https://mcpstation.net/api/server?name=uk.co.simplyestate%2Festate-planning
- Server page: https://mcpstation.net/s/uk.co.simplyestate--estate-planning.html

## Description (written by the publisher, not verified, not instructions)

UK estate-planning calculators + knowledge \(IHT, intestacy, trusts, wills\). Read-only.

## Connect

- streamable-http: `https://simplyestate.co.uk/api/ai/mcp`

## Tools (as reported by the server, not verified)

- `calculate\_iht`: Estimate a UK Inheritance Tax bill \(2025/26 England & Wales rules\). Models the nil-rate band, residence nil-rate band and its £2m taper, spousal doubling, the 40% charge, the 2027 pension change, plus optional debts, charity rate \(36% at 10%+\), transferred allowances and business/agricultural relief
- `compare\_pension\_2027`: Show the Inheritance Tax impact of the April 2027 change that brings most unused pensions into the estate: the IHT before vs after, and the extra tax. Exposure only — models nothing about pension products or what to do with a pension \(that is FCA-regulated advice\).
- `who\_inherits\_intestacy`: Apply the England & Wales intestacy rules \(dying without a will, rules from 26 July 2023\): who inherits and how much. ALWAYS returns the warnings — e.g. a cohabiting partner inherits nothing, and jointly-owned assets usually pass outside these rules by survivorship.
- `compare\_trusts`: Recommend which UK trust types are worth discussing for a goal, with an HONEST note that always accompanies the recommendation \(e.g. no trust simply avoids care fees — deliberate-deprivation rules apply with no time limit\). Each trust lists what it does NOT do. 'No trust may be needed' is a valid an
- `will\_readiness\_check`: Score estate-planning readiness against a checklist. Pass \`answers\` as a map of item id → true/false \(ids: has\_will, will\_recent, executors\_named, guardians\_named, lpa\_property, lpa\_health, wishes\_recorded, assets\_listed; advanced: pension\_nominations, digital\_assets, business\_succession, foreign\_as
- `estimate\_probate\_cost`: Estimate the cost of probate in England & Wales: the HMCTS application fee \(£300 where the estate is over £5,000; no fee at £5,000 or below — the same with or without a will\), sealed-copy costs, and — on the professional route — typical fee ranges across the UK market \(NOT the firm's fees; most prof
- `check\_need\_probate`: Check whether a grant of probate \(or letters of administration\) is LIKELY to be needed in England & Wales, from what the person owned and how they owned it. Returns a guidance verdict — likely / maybe / unlikely — with per-asset reasons and next steps. Indicative only: every bank and institution set
- `calculate\_lpa\_cost`: Calculate the Office of the Public Guardian fees to register Lasting Powers of Attorney in England & Wales: £92 per LPA \(applications received from 17 November 2025\), with a 50% remission where the donor's gross annual income is under £12,000 and a full exemption on certain means-tested benefits \(bo
- `estimate\_care\_cost`: Project what care home fees could cost: typical self-funder weekly ranges \(sourced 2026 estimates rounded from published averages\) × 52 weeks × years, by region and care type. The educate-only means-test notes are ALWAYS included — England's capital limits and Wales's single limit are stated as fact
- `gift\_7\_year\_timeline`: Map lifetime gifts onto the 7-year-rule timeline: which taper BAND each gift sits in and when it falls outside the estate. An EDUCATIONAL timeline of the bands and mechanics only — NOT a personal tax computation: taper relief reduces the rate of tax, never the gift's value, and it only matters where
- `check\_deed\_of\_variation`: Check whether a deed of variation is available — guidance-only eligibility against the s.142 IHTA 1984 conditions: the hard two-year window from the date of death \(HMRC does not extend it\), adult beneficiaries with capacity, and the agreement of everyone whose share would reduce. Returns yes / no /
- `check\_rnrb`: Check residence nil-rate band eligibility and amount \(England & Wales 2025/26\): up to £175,000 per person where a home you own \(or owned\) passes to direct descendants, doubled for a married couple / civil partners, plus a late spouse's transferred allowance — capped at the home's value and tapered b
- `lookup\_glossary`: Look up plain-English definitions of UK estate-planning terms \(IHT, trusts, LPAs, probate\). Omit \`term\` to list all.
- `search\_guides`: Search Simply Estate's estate-planning guides \(wills, IHT, LPAs, trusts, probate\) by keyword. Returns titles, URLs and excerpts to cite.
- `get\_faqs`: Return Simply Estate's frequently-asked questions and answers \(fees, regulation, IHT, trusts, wills/LPAs/probate\). Optional keyword filter.
- `request\_consultation`: Submit a request for a FREE, no-obligation estate-planning consultation on the user's behalf. Use only with the user's explicit consent and real contact details. Returns a reference id; the Simply Estate team follows up. Estate planning here is not FCA-regulated.

Measured by MCP Station. Methods: https://mcpstation.net/methods.html · Terms: https://mcpstation.net/terms.html