UK estate-planning calculators + knowledge (IHT, intestacy, trusts, wills). Read-only.
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https://simplyestate.co.uk/api/ai/mcp16 tools · 559mscalculate_ihtEstimate 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 relie…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 relie…
| Parameter | Type | Description |
|---|---|---|
| estateValue* | number | Total estate value excluding any pension you add separately (£) |
| married* | boolean | Married or in a civil partnership (combined/doubled allowances) |
| leavingHomeToDescendants* | boolean | Does a main home pass to children/grandchildren? Enables the residence nil-rate band |
| homeValue | number | Value of the main home (£) — caps the residence nil-rate band |
| includePension | boolean | Include unused pensions (the rules from 6 April 2027) |
| pensionValue | number | Unused pension value to fold in (£) |
| includeDebts | boolean | Deduct debts/liabilities first |
| debtsValue | number | Mortgage, loans and funeral costs (£) |
| leavingToCharity | boolean | A share of the estate is left to charity (10%+ cuts the rate to 36%) |
| charityPct | number | Share of the net estate left to charity (%) |
| 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 |
| includeRelief | boolean | Qualifying business/agricultural assets get simplified relief |
| reliefAssetsValue | number | Value of qualifying business/agricultural assets (£) |
compare_pension_2027Show 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).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).
| Parameter | Type | Description |
|---|---|---|
| estateValue* | number | Estate value excluding pensions (£) |
| homeValue | number | Main home value (£) — caps the residence nil-rate band |
| leavingHomeToDescendants* | boolean | Does a main home pass to children/grandchildren? |
| married* | boolean | Married or in a civil partnership |
| pensionValue* | number | Unused pension value (£) — counted only in the 'from 2027' scenario |
| pensionToSpouse | boolean | Pension would pass to a spouse first (educational note only) |
who_inherits_intestacyApply 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.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.
| Parameter | Type | Description |
|---|---|---|
| maritalStatus* | string | Legal status at death (only marriage/civil partnership counts) |
| hasChildren* | boolean | Any biological or legally adopted children (stepchildren don't count unless adopted) |
| estateValue* | number | Estate passing under intestacy (£) — sole-name assets, minus debts |
| jointlyOwnedValue | number | Approx value of jointly-owned assets (£) — passes by survivorship, outside these rules |
| hasPartialWill | boolean | A valid will covers some assets (partial intestacy) |
| hasForeignAssets | boolean | Property/accounts held abroad — local succession law applies |
compare_trustsRecommend 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 a…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 a…
| Parameter | Type | Description |
|---|---|---|
| goal* | string | What the person is trying to achieve |
will_readiness_checkScore 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_a…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_a…
| Parameter | Type | Description |
|---|---|---|
| answers* | object | Map of checklist item id → true (in place) / false |
| hasChildren* | boolean | Household includes children under 18 (enables the guardianship item) |
| includeAdvanced | boolean | Include the advanced/often-forgotten items |
estimate_probate_costEstimate 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 pro…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 pro…
| Parameter | Type | Description |
|---|---|---|
| estateValue* | number | Gross estate value (£) — home, savings, investments, minus debts |
| includesProperty* | boolean | Estate includes a house or flat (enables the IHT-instalments note) |
| hasWill* | boolean | A valid will exists (grant of probate); without one, letters of administration |
| professionalRoute* | boolean | true = with professional help (adds typical UK market fee ranges); false = applying yourself |
check_need_probateCheck 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 se…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 se…
| Parameter | Type | Description |
|---|---|---|
| soleProperty* | boolean | Property or land registered in the deceased's sole name |
| jointProperty* | boolean | Property owned jointly — held as joint tenants it passes by survivorship |
| largestBalance* | string | Largest single bank or building-society balance in their sole name |
| soleInvestments* | boolean | Shares or investments held in their sole name |
| allToSpouse* | boolean | Everything passes to a surviving spouse/civil partner who owned it jointly |
calculate_lpa_costCalculate 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 (b…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 (b…
| Parameter | Type | Description |
|---|---|---|
| lpaTypes* | string | Which LPA(s) — 'Both types' registers two documents per person |
| couple* | boolean | A couple making the same LPAs each (doubles the document count) |
| incomeUnder12k* | boolean | Donor's gross annual income below £12,000 (50% remission) |
| qualifyingBenefits* | boolean | Donor receives certain means-tested benefits (full exemption) |
estimate_care_costProject 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 fac…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 fac…
| Parameter | Type | Description |
|---|---|---|
| region* | string | Where the care would be |
| careType* | string | Residential care or nursing care |
| years* | number | Whole years of care to project (e.g. 1, 2, 3 or 5) |
gift_7_year_timelineMap 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 wher…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 wher…
| Parameter | Type | Description |
|---|---|---|
| gifts* | array | Up to 5 gifts to place on the timeline |
check_deed_of_variationCheck 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 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 /…
| Parameter | Type | Description |
|---|---|---|
| deathTiming* | string | When the person died — the two-year window is the hard statutory gate |
| allAdults* | boolean | Every beneficiary whose share would reduce is an adult (18+) with capacity |
| allAgree* | boolean | Those affected beneficiaries all agree to the change |
| goal* | string | What the family wants the variation to achieve |
check_rnrbCheck 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…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…
| Parameter | Type | Description |
|---|---|---|
| ownsHome* | boolean | You own (or owned) a home that is — or was — your residence |
| passesToDescendants* | boolean | The home passes to children/grandchildren (step, adopted and foster children count) |
| homeValue* | number | Value of the home (£) — caps the available allowance |
| estateValue* | number | Total estate value including the home (£) — drives the £2m taper |
| married* | boolean | Married or in a civil partnership (combined/doubled allowance on the second death) |
| 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 |
| downsizedAfterJuly2015 | boolean | Sold or downsized after 8 July 2015 — surfaces the downsizing-addition note (never changes the numbers) |
lookup_glossaryLook up plain-English definitions of UK estate-planning terms (IHT, trusts, LPAs, probate). Omit `term` to list all.Look up plain-English definitions of UK estate-planning terms (IHT, trusts, LPAs, probate). Omit `term` to list all.
| Parameter | Type | Description |
|---|---|---|
| term | string | Term or partial term to match; omit to return the full glossary |
search_guidesSearch Simply Estate's estate-planning guides (wills, IHT, LPAs, trusts, probate) by keyword. Returns titles, URLs and excerpts to cite.Search Simply Estate's estate-planning guides (wills, IHT, LPAs, trusts, probate) by keyword. Returns titles, URLs and excerpts to cite.
| Parameter | Type | Description |
|---|---|---|
| query* | string | Keywords to search guide titles, excerpts and tags |
get_faqsReturn Simply Estate's frequently-asked questions and answers (fees, regulation, IHT, trusts, wills/LPAs/probate). Optional keyword filter.Return Simply Estate's frequently-asked questions and answers (fees, regulation, IHT, trusts, wills/LPAs/probate). Optional keyword filter.
| Parameter | Type | Description |
|---|---|---|
| query | string | Optional keyword to filter the FAQs |
request_consultationSubmit 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.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.
| Parameter | Type | Description |
|---|---|---|
| name* | string | The person's full name |
| email* | string | A real email address (required if no phone) |
| phone | string | Phone number (optional) |
| service | string | Area of interest |
| county | string | County, if known |
| message | string | Brief description of what they'd like help with |
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UK estate-planning calculators + knowledge (IHT, intestacy, trusts, wills). Read-only.
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