mcpbeat
U

Estate Planning MCP Server

by co-simplyestate
answering

Estate Planning is answering right now. Last checked 7 min ago. It exposes 16 tools.

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

Uptime history 55 hours of history · worst hour 0%
55 hours agonow
27.5%
Uptime 24h
25 of 91 checks
16
Tools
read from the server
1163 ms
Response time
average over 24h
open, no key
Access
streamable-http

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 7 min ago.

run in your terminal
claude mcp add estate-planning --transport http https://simplyestate.co.uk/api/ai/mcp
~/Library/Application Support/Claude/claude_desktop_config.json
{
  "mcpServers": {
    "estate-planning": {
      "url": "https://simplyestate.co.uk/api/ai/mcp"
    }
  }
}
~/.codex/config.toml
[mcp_servers.estate-planning]
url = "https://simplyestate.co.uk/api/ai/mcp"
.cursor/mcp.json
{
  "mcpServers": {
    "estate-planning": {
      "url": "https://simplyestate.co.uk/api/ai/mcp"
    }
  }
}
.vscode/mcp.json
{
  "mcpServers": {
    "estate-planning": {
      "url": "https://simplyestate.co.uk/api/ai/mcp"
    }
  }
}

Available tools 16

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

calculate
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.
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.
compare
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).
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.
estimate
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.
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.
deed
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.
faqs
get_faqs
Return Simply Estate's frequently-asked questions and answers (fees, regulation, IHT, trusts, wills/LPAs/probate). Optional keyword filter.
gift
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.
guides
search_guides
Search Simply Estate's estate-planning guides (wills, IHT, LPAs, trusts, probate) by keyword. Returns titles, URLs and excerpts to cite.
lookup
lookup_glossary
Look up plain-English definitions of UK estate-planning terms (IHT, trusts, LPAs, probate). Omit `term` to list all.
need
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.
request
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.
rnrb
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.
who
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.
will
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.

Endpoints

URLTransportStateLatencyChecked
https://simplyestate.co.uk/api/ai/mcp streamable-http answering 1038 ms 7 min ago

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Estate Planning — questions

Answers built from our own checks of this server.

What can Estate Planning do?
It exposes 16 tools, read directly from the server on our last check. Among them: calculate_iht, calculate_lpa_cost, check_deed_of_variation, check_need_probate, check_rnrb, compare_pension_2027 and 10 more. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →
What is Estate Planning mostly used for?
Its tools cluster around compare, calculate and estimate. That is what this server is built to work with — the grouping comes from the actual tool names, not from a category we assigned.
Is Estate Planning working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 25 of 91 checks got a reply (27.5%), average response time 1163 ms. The bar chart above shows every period we have measured.
How do I connect Estate Planning?
Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does Estate Planning need an API key?
No. Estate Planning completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 16 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is Estate Planning?
It answers our handshake in 1163 ms on average, which is faster than 4% of all working MCP servers we measure. That is on the slow side — worth knowing if the tool sits inside an interactive loop. The comparison comes from our own checks across the whole registry, every 15 minutes.