S+ Money CIS Refund Calculator
REMOTE · MCP.SPLUSMONEY.CO.UK
Estimate a UK CIS construction subcontractor's tax refund for 2025-26 to 2027-28. Free, no sign-in.
Available components
Last scanned (3 hours ago)
Scores higher than 55% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
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. How we score → Why this is hard to score →
Endpoint Security74
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability68
- 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Pass
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1330 tokens (~443/item across 3 items; 2 tools + 1 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management13
- Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety75
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- 0 of 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "estimate_cis_refund" implies "refund" and declares readOnlyHint instead, contradicting what its own name says it does. See how to fix → Fail
- An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
- Supports UI / widget rendering.Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 4 Nov 26 +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.
- 2 Nov 26 +1
- Stability: unverified → 0.03 ▲ functional
- 1 Nov 26 68
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://mcp.splusmoney.co.uk/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=mcp.splusmoney.co.uk | CN=WE1,O=Google Trust Services,C=US | 22 Oct 2026 | 20 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | 8ea3a657a563723513f78787978709b4 |
| SANs: mcp.splusmoney.co.uk | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of mcp.splusmoney.co.uk. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| uk. | present | 43876 | 8 | Verified |
| co.uk. | present | 11810 | 8 | Verified |
| splusmoney.co.uk. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| x-content-type-options | nosniff |
| referrer-policy | strict-origin-when-cross-origin |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://mcp.splusmoney.co.uk/mcp | Verified | 200 | |
| http (plaintext) | http://mcp.splusmoney.co.uk/mcp | HTTPS enforced | 301 | https://mcp.splusmoney.co.uk/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
estimate_cis_refund Estimate CIS tax refund ~929
Estimate a UK CIS subcontractor's tax refund (or amount to pay) for tax year 2025-26, 2026-27 or 2027-28 (Budget 2026 rules for 2027-28). Takes the year's gross CIS income, the CIS deducted (the statement total, or the 20%/30% rate), allowable expenses (materials, tools, van mileage at HMRC simplified rates, parking and travel, phone, protective clothing, training and site cards, insurance, accountant) and optional other PAYE/pension income. Calculates taxable profit (or the trading allowance if better: £1,000, or £3,000 from 2027-28), income tax (England/Wales/NI or Scottish bands, Personal Allowance taper), Class 4 NIC and the Class 2 position, then compares the bill with the CIS already deducted. Returns the working line by line, payments-on-account warning, commonly missed expenses, rates used with GOV.UK sources and a result card. For self-employed sole traders under CIS, not limited companies. Read-only: stores and sends nothing. An estimate, not tax advice.
| Name | Type | Req | Description |
|---|---|---|---|
| accountancy_other_gbp | number | – | Accountant fees, business bank charges, trade subscriptions, stationery. Default 0. |
| business_miles | number | – | Business miles driven in own van/car (between sites, to merchants). Claimed at HMRC flat rates: 45p (2025-26) or 55p (2026-27 on) for the first 10,000; 25p after (35p from 2027-28, Budget 2026); 24p… |
| cis_deducted_gbp | number | – | Total CIS deducted in the year, from the monthly CIS payment and deduction statements, GBP. If omitted it is worked out from cis_rate on the labour part. |
| cis_rate | string | – | Deduction rate used when cis_deducted_gbp is not given: '20' (registered for CIS) or '30' (not registered). Default '20'. |
| gross_cis_income_gbp | number | yes | Total paid by contractors in the tax year BEFORE CIS deductions (labour plus any materials invoiced), GBP. Required. |
| insurance_gbp | number | – | Public liability and tool insurance. Default 0. |
| materials_gbp | number | – | Cost of materials the subcontractor bought and invoiced to contractors (CIS is not deducted from these; they are an expense). Default 0. |
| other_expenses_gbp | number | – | Any other allowable business expenses. Default 0. |
| other_income_gbp | number | – | Other taxable income in the same year from a PAYE job or pension (gross), GBP. Default 0. |
| parking_tolls_travel_gbp | number | – | Parking, tolls, congestion/ULEZ charges for work trips, public transport and work-away accommodation. Default 0. |
| phone_internet_gbp | number | – | Business share of phone and data. Default 0. |
| region | string | – | Where the person lives for income tax: 'england_wales_ni' or 'scotland' (Scottish bands). Default england_wales_ni. |
| tax_paid_on_other_income_gbp | number | – | Income tax already paid on that other income (from the P60/P45). Default 0. |
| tax_year | string | – | UK tax year: '2025-26' (6 Apr 2025 to 5 Apr 2026, return due 31 Jan 2027), '2026-27' or '2027-28' (Budget 2026 rules; Scottish 2027-28 bands not yet set, 2026-27 ones used). Default '2025-26'. |
| tools_equipment_gbp | number | – | Tools and equipment bought for work in the year. Default 0. |
| training_cards_gbp | number | – | CSCS/CPCS cards and training that updates existing trade skills. Default 0. |
| vehicle | string | – | Vehicle for business_miles. Default car_or_van. |
| vehicle_costs_gbp | number | – | Business share of actual van/car costs, ONLY if not using mileage for that vehicle. Default 0. |
| workwear_ppe_gbp | number | – | Protective clothing, PPE and branded workwear (not everyday clothes). Default 0. |
No output schema declared.
No examples provided.
get_cis_tax_rates CIS subcontractor tax rates and thresholds ~199
List the UK rates a self-employed CIS subcontractor's tax bill uses for 2025-26, 2026-27 or 2027-28, each with its GOV.UK source: Personal Allowance and taper, income tax bands (England/Wales/NI or Scotland), Class 4 NIC limits and rates, the Class 2 position (treated as paid above the Small Profits Threshold, voluntary below), HMRC simplified mileage rates, the trading allowance (£1,000; £3,000 from 2027-28), the Making Tax Digital start dates and the 20%/30% CIS deduction rates. Read-only. Not tax advice.
| Name | Type | Req | Description |
|---|---|---|---|
| region | string | – | Income tax bands to show. Default england_wales_ni. |
| tax_year | string | – | '2025-26', '2026-27' or '2027-28'. Default '2025-26'. |
No output schema declared.
No examples provided.
How do I install the S+ Money CIS Refund Calculator MCP server?
S+ Money CIS Refund Calculator is a hosted endpoint at https://mcp.splusmoney.co.uk/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · mcp.splusmoney.co.uk
claude mcp add --transport http uk-co-splusmoney-cis-refund-calculator 'https://mcp.splusmoney.co.uk/mcp'
What is the S+ Money CIS Refund Calculator MCP server?
S+ Money CIS Refund Calculator is an MCP server listed in the public MCP registry as uk.co.splusmoney/cis-refund-calculator. Estimate a UK CIS construction subcontractor's tax refund for 2025-26 to 2027-28. Free, no sign-in. This page covers its hosted endpoint (https://mcp.splusmoney.co.uk/mcp).
Is the S+ Money CIS Refund Calculator MCP server safe to use?
S+ Money CIS Refund Calculator scores 70 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the S+ Money CIS Refund Calculator MCP server expose?
S+ Money CIS Refund Calculator exposes 2 tools: estimate_cis_refund, get_cis_tax_rates. Their descriptions and schemas cost roughly 1,128 tokens of context every time the server is loaded.
Does the S+ Money CIS Refund Calculator MCP server require authentication?
No. We connected to S+ Money CIS Refund Calculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the S+ Money CIS Refund Calculator MCP server still maintained?
S+ Money CIS Refund Calculator is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.