# uk.co.simplyestate/estate-planning (remote · simplyestate.co.uk)

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

- Trust score: 68/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `simplyestate.co.uk`: 68/100 (this document), [markdown](https://verifymcp.io/servers/uk-co-simplyestate-estate-planning/api-ai-mcp.md), [page](https://verifymcp.io/servers/uk-co-simplyestate-estate-planning/api-ai-mcp)

## Channel facts

- Endpoint: `https://simplyestate.co.uk/api/ai/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 16 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 71/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 2658 tokens (~166/item across 16 items; 16 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http uk-co-simplyestate-estate-planning https://simplyestate.co.uk/api/ai/mcp
```

### Codex

```toml
[mcp_servers.uk-co-simplyestate-estate-planning]
url = "https://simplyestate.co.uk/api/ai/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "uk-co-simplyestate-estate-planning": {
      "type": "remote",
      "url": "https://simplyestate.co.uk/api/ai/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add uk-co-simplyestate-estate-planning --url https://simplyestate.co.uk/api/ai/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  uk-co-simplyestate-estate-planning:
    url: "https://simplyestate.co.uk/api/ai/mcp"
```

### Other

```json
{
  "mcpServers": {
    "uk-co-simplyestate-estate-planning": {
      "type": "http",
      "url": "https://simplyestate.co.uk/api/ai/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-02 (score 68, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 67, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 66, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-29 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-28 (score 65, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 64, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 64)

First indexed and scored.

## MCP tools (16)

### `calculate_iht` (~398 tokens)

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. Illustrative only — excludes lifetime-gift history.

Input parameters:

- `charityPct` (number): Share of the net estate left to charity (%)
- `debtsValue` (number): Mortgage, loans and funeral costs (£)
- `estateValue` (number, required): Total estate value excluding any pension you add separately (£)
- `homeValue` (number): Value of the main home (£) — caps the residence nil-rate band
- `includeDebts` (boolean): Deduct debts/liabilities first
- `includePension` (boolean): Include unused pensions (the rules from 6 April 2027)
- `includeRelief` (boolean): Qualifying business/agricultural assets get simplified relief
- `leavingHomeToDescendants` (boolean, required): Does a main home pass to children/grandchildren? Enables the residence nil-rate band
- `leavingToCharity` (boolean): A share of the estate is left to charity (10%+ cuts the rate to 36%)
- `married` (boolean, required): Married or in a civil partnership (combined/doubled allowances)
- `pensionValue` (number): Unused pension value to fold in (£)
- `reliefAssetsValue` (number): Value of qualifying business/agricultural assets (£)
- `transferredAllowance` (boolean): Claim a late spouse's/civil partner's unused allowances
- `transferredNrb` (number): Late spouse's unused nil-rate band (£), capped £325,000
- `transferredRnrb` (number): Late spouse's unused residence nil-rate band (£), capped £175,000

### `compare_pension_2027` (~184 tokens)

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).

Input parameters:

- `estateValue` (number, required): Estate value excluding pensions (£)
- `homeValue` (number): Main home value (£) — caps the residence nil-rate band
- `leavingHomeToDescendants` (boolean, required): Does a main home pass to children/grandchildren?
- `married` (boolean, required): Married or in a civil partnership
- `pensionToSpouse` (boolean): Pension would pass to a spouse first (educational note only)
- `pensionValue` (number, required): Unused pension value (£) — counted only in the 'from 2027' scenario

### `who_inherits_intestacy` (~196 tokens)

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.

Input parameters:

- `estateValue` (number, required): Estate passing under intestacy (£) — sole-name assets, minus debts
- `hasChildren` (boolean, required): Any biological or legally adopted children (stepchildren don't count unless adopted)
- `hasForeignAssets` (boolean): Property/accounts held abroad — local succession law applies
- `hasPartialWill` (boolean): A valid will covers some assets (partial intestacy)
- `jointlyOwnedValue` (number): Approx value of jointly-owned assets (£) — passes by survivorship, outside these rules
- `maritalStatus` (string, required): Legal status at death (only marriage/civil partnership counts)

### `compare_trusts` (~88 tokens)

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 answer.

Input parameters:

- `goal` (string, required): What the person is trying to achieve

### `will_readiness_check` (~165 tokens)

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_assets, life_insurance_trust). Missing or false items count as gaps. Returns a band: covered / gaps / urgent.

Input parameters:

- `answers` (object, required): Map of checklist item id → true (in place) / false
- `hasChildren` (boolean, required): Household includes children under 18 (enables the guardianship item)
- `includeAdvanced` (boolean): Include the advanced/often-forgotten items

### `estimate_probate_cost` (~186 tokens)

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 professional fees attract VAT on top). Guidance, not advice.

Input parameters:

- `estateValue` (number, required): Gross estate value (£) — home, savings, investments, minus debts
- `hasWill` (boolean, required): A valid will exists (grant of probate); without one, letters of administration
- `includesProperty` (boolean, required): Estate includes a house or flat (enables the IHT-instalments note)
- `professionalRoute` (boolean, required): true = with professional help (adds typical UK market fee ranges); false = applying yourself

### `check_need_probate` (~195 tokens)

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 sets its OWN probate threshold and decides asset by asset, so the honest answer always includes asking each one directly.

Input parameters:

- `allToSpouse` (boolean, required): Everything passes to a surviving spouse/civil partner who owned it jointly
- `jointProperty` (boolean, required): Property owned jointly — held as joint tenants it passes by survivorship
- `largestBalance` (string, required): Largest single bank or building-society balance in their sole name
- `soleInvestments` (boolean, required): Shares or investments held in their sole name
- `soleProperty` (boolean, required): Property or land registered in the deceased's sole name

### `calculate_lpa_cost` (~189 tokens)

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 (both claimed with form LPA120). Registration fees only — nothing about drafting costs or whether an LPA is right for someone.

Input parameters:

- `couple` (boolean, required): A couple making the same LPAs each (doubles the document count)
- `incomeUnder12k` (boolean, required): Donor's gross annual income below £12,000 (50% remission)
- `lpaTypes` (string, required): Which LPA(s) — 'Both types' registers two documents per person
- `qualifyingBenefits` (boolean, required): Donor receives certain means-tested benefits (full exemption)

### `estimate_care_cost` (~149 tokens)

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 facts for education; there is deliberately no 'how much could you protect' computation, because no arrangement simply avoids care fees.

Input parameters:

- `careType` (string, required): Residential care or nursing care
- `region` (string, required): Where the care would be
- `years` (number, required): Whole years of care to project (e.g. 1, 2, 3 or 5)

### `gift_7_year_timeline` (~123 tokens)

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 total gifts in the 7 years before death exceed the £325,000 nil-rate band (used up oldest gift first). No personal tax figures are computed.

Input parameters:

- `gifts` (array, required): Up to 5 gifts to place on the timeline

### `check_deed_of_variation` (~184 tokens)

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 / depends with blockers, goal-mapped possibilities, and an honest note that ALWAYS accompanies the result. No tax outcome is promised — whether it helps depends on the whole estate.

Input parameters:

- `allAdults` (boolean, required): Every beneficiary whose share would reduce is an adult (18+) with capacity
- `allAgree` (boolean, required): Those affected beneficiaries all agree to the change
- `deathTiming` (string, required): When the person died — the two-year window is the hard statutory gate
- `goal` (string, required): What the family wants the variation to achieve

### `check_rnrb` (~291 tokens)

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 by £1 for every £2 the estate exceeds £2m. Illustrative check with plain-English reasons.

Input parameters:

- `downsizedAfterJuly2015` (boolean): Sold or downsized after 8 July 2015 — surfaces the downsizing-addition note (never changes the numbers)
- `estateValue` (number, required): Total estate value including the home (£) — drives the £2m taper
- `homeValue` (number, required): Value of the home (£) — caps the available allowance
- `married` (boolean, required): Married or in a civil partnership (combined/doubled allowance on the second death)
- `ownsHome` (boolean, required): You own (or owned) a home that is — or was — your residence
- `passesToDescendants` (boolean, required): The home passes to children/grandchildren (step, adopted and foster children count)
- `transferredAllowance` (boolean): Claim a late spouse's/civil partner's unused residence allowance
- `transferredRnrb` (number): Late spouse's unused residence nil-rate band (£), capped £175,000

### `lookup_glossary` (~61 tokens)

Look up plain-English definitions of UK estate-planning terms (IHT, trusts, LPAs, probate). Omit `term` to list all.

Input parameters:

- `term` (string): Term or partial term to match; omit to return the full glossary

### `search_guides` (~59 tokens)

Search Simply Estate's estate-planning guides (wills, IHT, LPAs, trusts, probate) by keyword. Returns titles, URLs and excerpts to cite.

Input parameters:

- `query` (string, required): Keywords to search guide titles, excerpts and tags

### `get_faqs` (~54 tokens)

Return Simply Estate's frequently-asked questions and answers (fees, regulation, IHT, trusts, wills/LPAs/probate). Optional keyword filter.

Input parameters:

- `query` (string): Optional keyword to filter the FAQs

### `request_consultation` (~136 tokens)

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.

Input parameters:

- `county` (string): County, if known
- `email` (string, required): A real email address (required if no phone)
- `message` (string): Brief description of what they'd like help with
- `name` (string, required): The person's full name
- `phone` (string): Phone number (optional)
- `service` (string): Area of interest

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/uk-co-simplyestate-estate-planning/api-ai-mcp#diagnostics

## Score history

- 2026-08-03: 68
- 2026-08-02: 68
- 2026-08-01: 67
- 2026-07-31: 67
- 2026-07-30: 66
- 2026-07-29: 66
- 2026-07-28: 65
- 2026-07-27: 64
- 2026-07-26: 64

## Links

- Remote endpoint: https://simplyestate.co.uk/api/ai/mcp
- Website: https://simplyestate.co.uk/ai
- Changelog RSS feed: https://verifymcp.io/servers/uk-co-simplyestate-estate-planning/api-ai-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/uk-co-simplyestate-estate-planning/api-ai-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/uk-co-simplyestate-estate-planning/api-ai-mcp