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estate-planning

uk.co.simplyestate/estate-planning
Finance & Investing Legal & Compliance Public & reachable MCP 2025-11-25

What this MCP does

Provides read-only UK estate-planning guidance and calculators for inheritance tax, probate, trusts, wills, LPAs, intestacy, care costs, and related planning.

Capabilities

Tools

16 tools
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. Illustrative only — excludes lifetime-gift history.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['estateValue', 'married', 'leavingHomeToDescendants'], 'properties': {'married': {'type': 'boolean', 'description': 'Married or in a civil partnership (combined/doubled allowances)'}, 'homeValue': {'type': 'number', 'default': 0, 'description': 'Value of the main home (£) â\x80\x94 caps the residence nil-rate band'}, 'charityPct': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'Share of the net estate left to charity (%)'}, 'debtsValue': {'type': 'number', 'minimum': 0, 'description': 'Mortgage, loans and funeral costs (£)'}, 'estateValue': {'type': 'number', 'minimum': 0, 'description': 'Total estate value excluding any pension you add separately (£)'}, 'includeDebts': {'type': 'boolean', 'description': 'Deduct debts/liabilities first'}, 'pensionValue': {'type': 'number', 'default': 0, 'description': 'Unused pension value to fold in (£)'}, 'includeRelief': {'type': 'boolean', 'description': 'Qualifying business/agricultural assets get simplified relief'}, 'includePension': {'type': 'boolean', 'default': False, 'description': 'Include unused pensions (the rules from 6 April 2027)'}, 'transferredNrb': {'type': 'number', 'minimum': 0, 'description': "Late spouse's unused nil-rate band (£), capped £325,000"}, 'transferredRnrb': {'type': 'number', 'minimum': 0, 'description': "Late spouse's unused residence nil-rate band (£), capped £175,000"}, 'leavingToCharity': {'type': 'boolean', 'description': 'A share of the estate is left to charity (10%+ cuts the rate to 36%)'}, 'reliefAssetsValue': {'type': 'number', 'minimum': 0, 'description': 'Value of qualifying business/agricultural assets (£)'}, 'transferredAllowance': {'type': 'boolean', 'description': "Claim a late spouse's/civil partner's unused allowances"}, 'leavingHomeToDescendants': {'type': 'boolean', 'description': 'Does a main home pass to children/grandchildren? Enables the residence nil-rate band'}}, 'additionalProperties': False}
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 (both claimed with form LPA120). Registration fees only — nothing about drafting costs or whether an LPA is right for someone.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['lpaTypes', 'couple', 'incomeUnder12k', 'qualifyingBenefits'], 'properties': {'couple': {'type': 'boolean', 'description': 'A couple making the same LPAs each (doubles the document count)'}, 'lpaTypes': {'enum': ['Property & financial affairs', 'Health & welfare', 'Both types'], 'type': 'string', 'description': "Which LPA(s) â\x80\x94 'Both types' registers two documents per person"}, 'incomeUnder12k': {'type': 'boolean', 'description': "Donor's gross annual income below £12,000 (50% remission)"}, 'qualifyingBenefits': {'type': 'boolean', 'description': 'Donor receives certain means-tested benefits (full exemption)'}}, 'additionalProperties': False}
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 / 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 schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['deathTiming', 'allAdults', 'allAgree', 'goal'], 'properties': {'goal': {'enum': ['redirect', 'charity', 'trust', 'equalise'], 'type': 'string', 'description': 'What the family wants the variation to achieve'}, 'allAgree': {'type': 'boolean', 'description': 'Those affected beneficiaries all agree to the change'}, 'allAdults': {'type': 'boolean', 'description': 'Every beneficiary whose share would reduce is an adult (18+) with capacity'}, 'deathTiming': {'enum': ['within_2_years', 'over_2_years', 'planning_ahead'], 'type': 'string', 'description': 'When the person died â\x80\x94 the two-year window is the hard statutory gate'}}, 'additionalProperties': False}
check_need_probate
Check whether a grant of probate (or letters of administration) is LIKELY to be needed in England & Wales, from what the person owned and how they owned it. Returns a guidance verdict — likely / maybe / unlikely — with per-asset reasons and next steps. Indicative only: every bank and institution sets its OWN probate threshold and decides asset by asset, so the honest answer always includes asking each one directly.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['soleProperty', 'jointProperty', 'largestBalance', 'soleInvestments', 'allToSpouse'], 'properties': {'allToSpouse': {'type': 'boolean', 'description': 'Everything passes to a surviving spouse/civil partner who owned it jointly'}, 'soleProperty': {'type': 'boolean', 'description': "Property or land registered in the deceased's sole name"}, 'jointProperty': {'type': 'boolean', 'description': 'Property owned jointly â\x80\x94 held as joint tenants it passes by survivorship'}, 'largestBalance': {'enum': ['under_5k', '5k_20k', '20k_50k', 'over_50k'], 'type': 'string', 'description': 'Largest single bank or building-society balance in their sole name'}, 'soleInvestments': {'type': 'boolean', 'description': 'Shares or investments held in their sole name'}}, 'additionalProperties': False}
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 by £1 for every £2 the estate exceeds £2m. Illustrative check with plain-English reasons.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['ownsHome', 'passesToDescendants', 'homeValue', 'estateValue', 'married'], 'properties': {'married': {'type': 'boolean', 'description': 'Married or in a civil partnership (combined/doubled allowance on the second death)'}, 'ownsHome': {'type': 'boolean', 'description': 'You own (or owned) a home that is â\x80\x94 or was â\x80\x94 your residence'}, 'homeValue': {'type': 'number', 'minimum': 0, 'description': 'Value of the home (£) â\x80\x94 caps the available allowance'}, 'estateValue': {'type': 'number', 'minimum': 0, 'description': 'Total estate value including the home (£) â\x80\x94 drives the £2m taper'}, 'transferredRnrb': {'type': 'number', 'minimum': 0, 'description': "Late spouse's unused residence nil-rate band (£), capped £175,000"}, 'passesToDescendants': {'type': 'boolean', 'description': 'The home passes to children/grandchildren (step, adopted and foster children count)'}, 'transferredAllowance': {'type': 'boolean', 'description': "Claim a late spouse's/civil partner's unused residence allowance"}, 'downsizedAfterJuly2015': {'type': 'boolean', 'description': 'Sold or downsized after 8 July 2015 â\x80\x94 surfaces the downsizing-addition note (never changes the numbers)'}}, 'additionalProperties': False}
compare_pension_2027
Show the Inheritance Tax impact of the April 2027 change that brings most unused pensions into the estate: the IHT before vs after, and the extra tax. Exposure only — models nothing about pension products or what to do with a pension (that is FCA-regulated advice).
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['estateValue', 'leavingHomeToDescendants', 'married', 'pensionValue'], 'properties': {'married': {'type': 'boolean', 'description': 'Married or in a civil partnership'}, 'homeValue': {'type': 'number', 'default': 0, 'description': 'Main home value (£) â\x80\x94 caps the residence nil-rate band'}, 'estateValue': {'type': 'number', 'minimum': 0, 'description': 'Estate value excluding pensions (£)'}, 'pensionValue': {'type': 'number', 'minimum': 0, 'description': "Unused pension value (£) â\x80\x94 counted only in the 'from 2027' scenario"}, 'pensionToSpouse': {'type': 'boolean', 'description': 'Pension would pass to a spouse first (educational note only)'}, 'leavingHomeToDescendants': {'type': 'boolean', 'description': 'Does a main home pass to children/grandchildren?'}}, 'additionalProperties': False}
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 answer.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['goal'], 'properties': {'goal': {'enum': ['care_fees', 'children', 'control', 'blended_family', 'vulnerable'], 'type': 'string', 'description': 'What the person is trying to achieve'}}, 'additionalProperties': False}
estimate_care_cost
Project what care home fees could cost: typical self-funder weekly ranges (sourced 2026 estimates rounded from published averages) × 52 weeks × years, by region and care type. The educate-only means-test notes are ALWAYS included — England's capital limits and Wales's single limit are stated as facts for education; there is deliberately no 'how much could you protect' computation, because no arrangement simply avoids care fees.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['region', 'careType', 'years'], 'properties': {'years': {'type': 'number', 'description': 'Whole years of care to project (e.g. 1, 2, 3 or 5)', 'exclusiveMinimum': 0}, 'region': {'enum': ['london_south_east', 'rest_of_england', 'wales'], 'type': 'string', 'description': 'Where the care would be'}, 'careType': {'enum': ['residential', 'nursing'], 'type': 'string', 'description': 'Residential care or nursing care'}}, 'additionalProperties': False}
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 professional fees attract VAT on top). Guidance, not advice.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['estateValue', 'includesProperty', 'hasWill', 'professionalRoute'], 'properties': {'hasWill': {'type': 'boolean', 'description': 'A valid will exists (grant of probate); without one, letters of administration'}, 'estateValue': {'type': 'number', 'minimum': 0, 'description': 'Gross estate value (£) â\x80\x94 home, savings, investments, minus debts'}, 'includesProperty': {'type': 'boolean', 'description': 'Estate includes a house or flat (enables the IHT-instalments note)'}, 'professionalRoute': {'type': 'boolean', 'description': 'true = with professional help (adds typical UK market fee ranges); false = applying yourself'}}, 'additionalProperties': False}
get_faqs
Return Simply Estate's frequently-asked questions and answers (fees, regulation, IHT, trusts, wills/LPAs/probate). Optional keyword filter.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'properties': {'query': {'type': 'string', 'description': 'Optional keyword to filter the FAQs'}}, 'additionalProperties': False}
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 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 schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['gifts'], 'properties': {'gifts': {'type': 'array', 'items': {'type': 'object', 'required': ['amount', 'yearsAgo'], 'properties': {'amount': {'type': 'number', 'minimum': 0, 'description': 'Value of the gift (£)'}, 'yearsAgo': {'type': 'number', 'maximum': 7, 'minimum': 0, 'description': 'Whole or fractional years since the gift was made (7 = already outside the estate)'}}, 'additionalProperties': False}, 'maxItems': 5, 'description': 'Up to 5 gifts to place on the timeline'}}, 'additionalProperties': False}
lookup_glossary
Look up plain-English definitions of UK estate-planning terms (IHT, trusts, LPAs, probate). Omit `term` to list all.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'properties': {'term': {'type': 'string', 'description': 'Term or partial term to match; omit to return the full glossary'}}, 'additionalProperties': False}
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.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['name', 'email'], 'properties': {'name': {'type': 'string', 'maxLength': 200, 'minLength': 1, 'description': "The person's full name"}, 'email': {'type': 'string', 'format': 'email', 'maxLength': 200, 'description': 'A real email address (required if no phone)'}, 'phone': {'type': 'string', 'maxLength': 60, 'description': 'Phone number (optional)'}, 'county': {'type': 'string', 'maxLength': 60, 'description': 'County, if known'}, 'message': {'type': 'string', 'maxLength': 800, 'description': "Brief description of what they'd like help with"}, 'service': {'enum': ['estate-planning', 'iht', 'trusts'], 'type': 'string', 'default': 'estate-planning', 'description': 'Area of interest'}}, 'additionalProperties': False}
search_guides
Search Simply Estate's estate-planning guides (wills, IHT, LPAs, trusts, probate) by keyword. Returns titles, URLs and excerpts to cite.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['query'], 'properties': {'query': {'type': 'string', 'description': 'Keywords to search guide titles, excerpts and tags'}}, 'additionalProperties': False}
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.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['maritalStatus', 'hasChildren', 'estateValue'], 'properties': {'estateValue': {'type': 'number', 'minimum': 0, 'description': 'Estate passing under intestacy (£) â\x80\x94 sole-name assets, minus debts'}, 'hasChildren': {'type': 'boolean', 'description': "Any biological or legally adopted children (stepchildren don't count unless adopted)"}, 'maritalStatus': {'enum': ['married', 'cohabiting', 'single', 'divorced'], 'type': 'string', 'description': 'Legal status at death (only marriage/civil partnership counts)'}, 'hasPartialWill': {'type': 'boolean', 'description': 'A valid will covers some assets (partial intestacy)'}, 'hasForeignAssets': {'type': 'boolean', 'description': 'Property/accounts held abroad â\x80\x94 local succession law applies'}, 'jointlyOwnedValue': {'type': 'number', 'minimum': 0, 'description': 'Approx value of jointly-owned assets (£) â\x80\x94 passes by survivorship, outside these rules'}}, 'additionalProperties': False}
will_readiness_check
Score estate-planning readiness against a checklist. Pass `answers` as a map of item id → true/false (ids: has_will, will_recent, executors_named, guardians_named, lpa_property, lpa_health, wishes_recorded, assets_listed; advanced: pension_nominations, digital_assets, business_succession, foreign_assets, life_insurance_trust). Missing or false items count as gaps. Returns a band: covered / gaps / urgent.
Input schema 
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['answers', 'hasChildren'], 'properties': {'answers': {'type': 'object', 'description': 'Map of checklist item id â\x86\x92 true (in place) / false', 'additionalProperties': {'type': 'boolean'}}, 'hasChildren': {'type': 'boolean', 'description': 'Household includes children under 18 (enables the guardianship item)'}, 'includeAdvanced': {'type': 'boolean', 'default': False, 'description': 'Include the advanced/often-forgotten items'}}, 'additionalProperties': False}
History

Recent tool changes

Added
request_consultation
Sept. 17, 2026, 12:55 p.m.
Added
get_faqs
Sept. 17, 2026, 12:55 p.m.
Added
search_guides
Sept. 17, 2026, 12:55 p.m.
Added
lookup_glossary
Sept. 17, 2026, 12:55 p.m.
Added
check_rnrb
Sept. 17, 2026, 12:55 p.m.
Added
check_deed_of_variation
Sept. 17, 2026, 12:55 p.m.
Added
gift_7_year_timeline
Sept. 17, 2026, 12:55 p.m.
Added
estimate_care_cost
Sept. 17, 2026, 12:55 p.m.
Added
calculate_lpa_cost
Sept. 17, 2026, 12:55 p.m.
Added
check_need_probate
Sept. 17, 2026, 12:55 p.m.
Added
estimate_probate_cost
Sept. 17, 2026, 12:55 p.m.
Added
will_readiness_check
Sept. 17, 2026, 12:55 p.m.
Added
compare_trusts
Sept. 17, 2026, 12:55 p.m.
Added
who_inherits_intestacy
Sept. 17, 2026, 12:55 p.m.
Added
compare_pension_2027
Sept. 17, 2026, 12:55 p.m.
Added
calculate_iht
Sept. 17, 2026, 12:55 p.m.
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