How Much Does a Living Trust Cost in 2025?

If you’ve started exploring estate planning, one of the first questions you’re probably asking is: How much does a living trust cost? It’s a smart and important question—especially if you want to protect your assets, avoid probate, and ensure a smooth transfer of wealth to your loved ones.

In this guide, we’ll break down what you can expect to pay for a living trust in 2025, what factors influence the price, and how to compare options like DIY kits, online platforms, and attorney-prepared trusts.

You’ll also learn what’s really included in the cost, which hidden fees to watch for, and why investing in the right trust now can save you—and your family—time, stress, and money later.

What you’ll learn:

• What Is a Living Trust and Why It Matters
• How Much Does a Living Trust Cost? (2025 Guide)
• What’s Included in the Cost of a Living Trust?
• Hidden Fees to Watch Out For
• Living Trust vs. Will: Cost and Value Compared
• When and Why a Living Trust Is Worth the Investment
• How Trust Guru Makes It Simple and Affordable
• Final Thoughts
• Frequently Asked Questions

What Is a Living Trust and Why It Matters

A living trust is a legal document that helps you manage and distribute your assets—like your home, bank accounts, or investments—while you’re alive and after you pass away. It’s a powerful estate planning tool designed to keep your financial affairs organized, private, and often much simpler for your loved ones to handle later.

Unlike a will, which becomes public and must go through probate court, a living trust allows your chosen trustee to manage and transfer your assets directly to your beneficiaries, skipping many of the legal delays and expenses typically involved in settling an estate.

This makes it especially valuable for people with property, business interests, or heirs they want to protect from unnecessary hassle and legal costs.

Revocable vs. Irrevocable Living Trusts

There are two main types of living trusts: revocable and irrevocable.

A revocable living trust lets you stay in control. You can change the terms, update beneficiaries, or even amend or restate the trust altogether as long as you’re alive and mentally competent. This flexibility makes it the most popular option for estate planning.

An irrevocable trust, on the other hand, can’t be easily changed once it’s signed. It’s often used for more complex estate planning needs—like reducing estate taxes, protecting assets from lawsuits, or setting up long-term care arrangements, such as Medicaid asset protection.

To better understand the differences between revocable and irrevocable trusts, check out this detailed breakdown.

Most people starting their estate plan begin with a revocable living trust because it strikes a balance between control and protection. In both cases, a trust agreement outlines how the trust works, what assets are included, and who will manage or receive them.

Benefits of Setting Up a Living Trust

A living trust offers more than just legal protection—it delivers real peace of mind. Here’s why so many individuals include one in their estate plan:

• Avoid probate: Probate can be a time-consuming and costly court process. A living trust helps your loved ones bypass it entirely.
• Privacy: Unlike a will, which becomes public, a trust keeps your financial affairs confidential.
• Continuity and control: If you become incapacitated, your successor trustee can step in immediately to manage your finances without court approval.
• Customizable distribution: Want to stagger inheritance payments or protect minor children? A living trust lets you tailor your plan to fit your wishes.

Key takeaway: A living trust isn’t just for the wealthy—it’s a smart, proactive step that helps simplify asset transfer, protect your loved ones, and give you control over how your estate is managed now and in the future.

How Much Does a Living Trust Cost? (2025 Guide)

When planning your estate, one of the first questions you’ll likely ask is: How much does a living trust cost in 2025? While costs can vary depending on your needs and how you set up the trust, understanding the typical price ranges and influencing factors can help you make a confident, informed decision.

Average Cost of a Living Trust in the U.S.

The average cost of a living trust in the United States generally falls between $500 and $3,500. This wide range reflects the different methods available to create a living trust—from do-it-yourself tools to full-service estate planning attorneys.

• Simple revocable living trust (individual): $500–$1,000 (online or DIY)
• Attorney-prepared revocable trust (individual): $1,500–$2,500
• Joint trust for married couples: $1,200–$3,500, depending on complexity
• Irrevocable or specialized trusts: Can exceed $4,000 due to legal structuring

For a closer look at what goes into a living trust cost of $500, see this in-depth example.

Keep in mind that while upfront prices matter, the value a trust provides—like avoiding probate, ensuring asset protection, and reducing future family stress—can far outweigh the initial expense.

Cost Ranges: DIY vs. Online vs. Attorney-Led

There are three common routes for setting up a living trust, each with its own pricing and pros/cons:

Method	Estimated Cost	Best For
DIY (Templates)	$100–$300	Budget-conscious users comfortable with legal forms
Online Services	$400–$1,000	Users seeking affordability + guided help
Attorney-Led	$1,500–$3,500+	Complex estates or preference for full legal advice

To see a side-by-side view of how different setups compare, visit this comparison of trust fund setup costs.

• DIY living trust cost is the lowest, but it comes with risk—mistakes or outdated forms can cause costly legal issues later.
• Online trust services offer a balance of affordability and structure, often including legal compliance and risk oversight.
• Trust attorney fees tend to be highest but may include customized advice, funding support, and long-term legal guidance.

What Affects the Cost of a Living Trust?

Several key factors influence the cost of setting up a living trust. Understanding these can help you anticipate what you might pay and why.

1. Estate Complexity

If your estate includes multiple properties, business assets, out-of-state holdings, or complex family dynamics (like blended families), expect higher fees. More complexity means more legal structuring is required.

2. Type of Trust

A revocable trust is typically more affordable and flexible than an irrevocable trust, which requires more legal work and may involve tax implications. A joint trust for spouses also tends to cost more than a basic individual trust. 

3. State-Specific Legal Requirements

Costs can also vary by state. Some states require additional paperwork, filing fees, or notary steps that increase the cost of establishing a living trust. Local attorney rates can also significantly influence pricing in your area.

For a broader view of these price factors, see this guide on how much it costs to set up a living trust.

Key takeaway: While the cost of a living trust can vary, choosing the right method for your needs—and understanding what drives pricing—can help you avoid overpaying or under-planning.

By weighing upfront costs against long-term benefits like avoiding probate and protecting your legacy, you’ll be better positioned to make a smart, lasting decision.

What’s Included in the Cost of a Living Trust?

Understanding the cost of a living trust isn’t just about the number on the invoice—it’s about knowing what you’re actually getting for that investment. Whether you choose a DIY approach, an online platform, or work with an attorney, it’s important to be clear on what services and documents are included in the package.

Key Components and Documents

At a minimum, the cost of creating a living trust should cover the preparation of essential legal documents. These include:

• A trust document or trust agreement that outlines how your assets will be managed and distributed
• A pour-over will to catch any assets not placed into the trust
• Durable powers of attorney (financial and medical, in some cases)
• Advance healthcare directives or living wills (optional, but often included)
  

These core documents are the foundation of your estate plan. If you’re paying trust creation fees, make sure these are part of the package—especially with online services or lower-cost providers. 

Services and Legal Advice Provided

If you’re using an estate planning attorney or a higher-tier online service, you’ll likely gain access to personalized legal advice. This may include:

• One-on-one consultations to understand your unique estate
• Guidance on structuring your trust to meet state-specific laws
• Help naming a trustee or support for acting trustees
• Advice on minimizing tax exposure or preparing for multigenerational transfers
  

This professional input adds value—especially for those with blended families, business ownership, or more complex estates. It also helps reduce the risk of mistakes that could delay or invalidate your trust later on. 

Trust Funding and Asset Transfer

Creating a trust isn’t enough—it also needs to be funded properly. That means transferring assets into the trust so they’re legally owned by it.

Many trust providers offer guidance (and sometimes hands-on help) with:

• Changing the title or deed of your home to the trust
• Retitling bank accounts, investment portfolios, and business interests
• Listing the trust as the beneficiary for retirement accounts or life insurance (when appropriate)
• Providing a funding worksheet or checklist to track progress
  

Some attorney-led services will even handle funding the trust for you, while others may charge extra or leave this step to you. Be sure to ask about what’s included upfront. 

Checklist: What to Expect from a Trust Service Provider

When comparing services or quotes, ask if the following are included:

• Custom trust document & supporting estate planning paperwork
• Guidance or support for funding your trust
• One-on-one consultation with an estate planning expert (if applicable)
• Amendments or updates within a set timeframe
• Customer support (email, phone, or chat)
• State-specific compliance and legal review
• Help naming a trustee and setting distribution terms
  

Key takeaway: Not all trust services are created equal. The cost of a living trust should reflect more than paperwork—it should include real support, peace of mind, and a legally sound foundation for protecting your legacy.

Hidden Fees to Watch Out For

While many providers advertise flat fees or package rates for setting up a living trust, there are often additional costs that aren’t included in the base price. These hidden fees can catch you off guard if you’re not aware of them upfront—and in some cases, they significantly impact the total cost of your estate planning. Knowing what to expect can help you choose the right service and avoid surprises later.

Amendment and Maintenance Fees

Life changes—so should your trust. Whether it’s marriage, divorce, the birth of a child, or the purchase of a new property, you may need to amend or restate your trust.

Some services include a limited number of free amendments within the first year, but many charge for edits after your initial setup. Typical amendment fees can range from $100 to $500 per update, depending on the provider and the complexity of the change.

Also, consider maintenance plans or ongoing support packages. Some attorneys and online platforms offer optional annual services that include check-ins, legal support, or discounted updates—useful, but not always necessary for everyone.

Costs for Trust Funding Assistance

Setting up a trust is only the first step. If you don’t transfer your assets into the trust, the trust won’t be effective when it matters most. Some providers offer trust funding assistance for an added fee—either included in the base price or for an added fee. These services may help you:

• Retitle real estate, bank accounts, or investments
• Complete beneficiary change forms for retirement accounts
• Provide guidance on which assets should or shouldn’t be included

If funding is not included, expect to pay between $200 and $600 depending on how much hands-on support you need. 

Recording and Deed Transfer Charges

If you’re placing real estate into your trust—which most homeowners do—you’ll need to file a new deed with your county recorder’s office. This process may involve:

• Preparing a new grant deed naming the trust as owner
• Filing fees with your local jurisdiction
• Notary fees or attorney review

These recording and deed transfer charges typically range from $50 to $400, depending on your location and whether professional help is required. Be sure to confirm whether your provider includes deed preparation and filing or if it’s a separate cost. 

Key takeaway: Hidden fees can add hundreds of dollars to the total cost of your living trust. Always ask for a full breakdown of what’s included—and what’s not—before committing to a provider. Transparency now can save you stress and expense later.

Living Trust vs. Will: Cost and Value Compared

At first glance, a will may seem like the more affordable estate planning option—but cost alone doesn’t tell the whole story. When comparing a living trust vs. a will, it’s important to look beyond the upfront price tag and consider the long-term financial and emotional impact on your family.

Upfront Costs vs. Probate Expenses

A simple will typically costs between $150 and $500 to draft, while a living trust can range from $500 to $3,500 depending on the method you choose. On paper, a will looks like the budget-friendly choice.

However, the real costs often come after death—during the probate process.

Probate is a court-supervised legal procedure that validates your will and oversees the distribution of your estate. It can take several months to over a year to complete, depending on your state, and it’s not free. Your estate may be charged:

• 2%–7% of total asset value in probate fees
• Court costs and executor fees
• Attorney fees, especially if disputes arise
• Delays in distributing assets to heirs

These expenses can easily surpass the initial cost of setting up a living trust. And if your estate is large enough to be subject to federal estate tax, poor planning could lead to even more money lost to taxes. 

Value of Probate Avoidance

A properly funded revocable living trust allows your estate to bypass probate entirely. This means:

• Faster asset distribution to your beneficiaries
• Lower administrative costs after your passing
• Greater privacy, as trusts don’t become public record like wills
• More control over how and when assets are distributed

While the upfront cost of a trust may be higher, the ability to avoid probate can save your estate—and your family—thousands of dollars and months of legal hassle. For many, the emotional peace of mind is priceless. 

Key takeaway: A will may cost less now, but a living trust can save far more in the long run—both financially and emotionally. If you value control, privacy, and minimizing stress for your loved ones, a living trust is often the better investment.

When and Why a Living Trust Is Worth the Investment

If you’re wondering whether the cost of a living trust is really worth it, you’re not alone. Many people hesitate at the idea of spending hundreds—or even thousands—of dollars on something they hope won’t be needed for a long time. But in many cases, a living trust isn’t just a legal formality—it’s a financial and emotional safeguard for your family.

Let’s explore when a trust makes the most sense and why it’s often a wise long-term investment.

Real-Life Scenarios: When a Trust Saves You Money

Here are a few common situations where a living trust can significantly reduce costs and complications:

• You own real estate in multiple states. Without a trust, each property may require a separate probate process in each state—adding time, legal fees, and stress. A trust consolidates control under one legal structure.
• You have a blended family. If you want to ensure children from a previous marriage are protected, a trust gives you more control over who gets what—and when—than a standard will.
• Your estate is sizable or complex. Your estate includes digital assets, businesses, or complex investments

In each of these scenarios, the cost of setting up a trust is often far less than the legal and financial costs your heirs might face without one. A trust can simplify administration and help minimize potential legal disputes.

For families with unique needs, a trust can also include special needs trust provisions or charitable gifting.

Legacy Planning and Family Protection

A living trust helps ensure that your beneficiaries receive your assets according to your wishes—not through a court’s timeline or interpretation. You can customize your trust to distribute assets gradually, protect minors, or set up conditional gifts for education, health, or other life events.

For families with vulnerable dependents or unique needs, a trust can also incorporate special provisions that a simple will may not accommodate. It’s not just about money—it’s about preserving your legacy in a way that reflects your values and intentions. 

Peace of Mind Through Legal Clarity

One of the most underrated benefits of a living trust is the clarity and control it provides—both while you’re living and after you’re gone.

A trust allows you to:

• Name a successor trustee who can step in immediately if you become incapacitated
• Manage the trust during your lifetime, adjusting it as your life and assets evolve
• Avoid court intervention for financial decisions if you’re unable to act
  

A living trust can also help your family avoid confusion, conflict, and costly delays when emotions are running high. 

Key takeaway: A living trust is more than a legal tool—it’s a proactive step that protects your family, reduces long-term costs, and gives you peace of mind. For many people, that kind of assurance is worth every dollar.

How Trust Guru Makes It Simple and Affordable

At Trust Guru, we believe creating a living trust shouldn’t feel overwhelming—or overpriced. That’s why we’ve built a streamlined, transparent, and attorney-backed process designed to make estate planning accessible and stress-free.

We also offer access to our full range of services for anyone exploring deeper estate strategies. Here’s how we deliver high-quality trust services without the hassle of traditional law firms.

Transparent Pricing and No Surprise Fees

With Trust Guru, what you see is what you get. Our pricing is clearly outlined from the start, with no hidden fees or unexpected charges later in the process. Whether you’re creating a basic revocable living trust or need more complex customization, we’ll walk you through your options—and the cost—before you commit.

We also offer flat-rate packages that include:

• A custom trust document tailored to your state
• Pour-over will and durable power of attorney
• Access to support and revision options
• Optional trust funding guidance depending on your plan

Need help getting started? Contact our team to schedule a free consultation.

Expert Support Without the Law-Firm Intimidation

You don’t need to walk into a law office to get expert help. Trust Guru offers the same caliber of legal oversight as working with a traditional attorney to create your living trust, but with a more approachable, client-friendly experience.

Our estate planning professionals and licensed attorneys guide you through each step—answering questions, flagging risks, and helping you make the right decisions for your family. And because we’re built to serve real people (not just high-net-worth clients), we keep the process simple, respectful, and personalized.

Digital Convenience and Attorney Review in All 50 States

Our platform is fully digital, so you can complete your trust from the comfort of your home—on your own schedule. You’ll answer a few guided questions online, and our legal team will review your documents to ensure everything complies with your state’s laws.

Trust Guru’s services are legally valid in all 50 states, and your living trust is reviewed by experienced attorneys for added peace of mind. Whether you’re in California, Florida, New York, or anywhere in between, you’ll get the same high standard of quality and care.

Ready to get started?
Book a free consultation or start your trust today with Trust Guru to protect your legacy with confidence.

Final Thoughts: What You Should Expect to Pay and Why It Matters

Setting up a living trust is an investment in your legacy. While the upfront cost may range anywhere from $100 to $3,500, depending on whether you choose a DIY method, online service, or estate planning attorney, it’s important to weigh that against what you—and your family—gain in return.

To recap:

• DIY solutions can cost as little as $100–$300, but offer minimal guidance and carry higher risks of errors.
• Online platforms typically fall between $400–$1,000, offering a balance of affordability and structured support.
• Attorney-prepared trusts range from $1,500–$3,500+, often including legal advice, funding support, and custom structuring for complex estates.
  

No matter which route you take, remember this: a living trust doesn’t just help you avoid probate—it offers privacy, protection, and peace of mind for your loved ones. It puts you in control of how your assets are distributed and ensures your wishes are clearly documented and legally binding.

Why it matters: Failing to plan your estate properly can lead to lengthy court proceedings, unexpected legal costs, family stress, and delays in distributing your assets. A living trust simplifies the process, minimizes risk, and keeps your affairs out of probate court.

If you want to avoid surprises, safeguard your estate, and make things easier for the people who matter most—investing in a living trust is one of the most valuable decisions you can make.

Frequently Asked Questions