FreeWill vs Trust & Will (2026): Is a Free Will Enough?

πŸ“… Updated October 2026πŸ”Ž Prices checked October 2026⏱ 9 min read
Written by Sarah Mitchell
Estate Planning Editor Β· Updated October 2026
βœ… Reviewed by James Hartley
Affiliate disclosure: We earn commissions through our links at no extra cost to you. Editorial policy β†’
πŸ”Ž
Prices checked October 2026  Β·  Based on each provider's published pages, not a hands-on purchase for this article

πŸ† Quick Answer

For a simple will, FreeWill is a legitimate free choice and many people won't need more. Trust & Will costs from $199 for a will and $499 for a trust, and suits people who want a trust, a paid guided plan, or attorney support. FreeWill's living trust is California-only.

Both services let you build estate planning documents online. The difference is mostly price, how far the product goes beyond a will, and what kind of help you get. This page compares them using each company's published information and official legal sources, and tells you plainly when free is good enough.

How is FreeWill free, and what's the catch?

FreeWill says it works with more than 2,400 nonprofits and businesses that support its mission, which is how it keeps the tools free for users. There is no credit card requirement, and the company says it doesn't sell your personal data.

The "catch" is the charitable-giving prompt. FreeWill is built to make leaving a gift to a charity easy, and it reports that one in six users include a charity in their will. You can say no. Leaving a gift is optional, and the documents work the same either way.

Beyond the will, FreeWill's site lists free advance healthcare directives (living wills), durable financial powers of attorney, and beneficiary designation tools. It also offers a revocable living trust for California residents only.

FreeWill also tells users that online planning isn't right for everyone. Its site says it will point out where an attorney may be a better fit and gives you a printable summary to take to a lawyer.

FreeWill vs Trust & Will at a glance

FeatureFreeWillTrust & Will
PriceFree, no credit cardWill $199 (couples $299); Trust from $499 (couples $599)
What's includedWill, healthcare directive, financial POA, beneficiary designationsWill plan: will, living will, HIPAA authorization, POA. Trust plan adds trust documents and a funding guide
Trusts?Revocable living trust, California onlyRevocable living trust plan with pour-over will
Attorney accessNo attorney included; points you to an attorney for complex needsAttorney support listed as an optional add-on (+$299 on the Trust Plan page)
UpdatesEdit from your account and reprint, per FreeWill$49/year membership listed; check current update terms
Customer supportSupport team availableWeekday support (Mon–Fri) listed
Best forSimple estates, budget-conscious users, charitable giversPeople who want a trust or paid guidance in most states

Sources: FreeWill and Trust & Will published pages. Prices checked October 2026; confirm before buying.

What does Trust & Will cost in 2026?

Trust & Will is a paid service with two main plans:

Some older pages on this site list lower Trust Plan prices. The figures above reflect Trust & Will's own pages as checked in October 2026, and plans can change, so check the current price before you buy. Our Trust & Will review goes deeper on the product.

Note that membership is separate from validity. Per FreeWill's comparison, you don't need a membership for a signed document to stay legal. It matters if you want to log in and update later.

What does a free will leave out?

Does FreeWill include a trust?

Only for Californians. If you live elsewhere and want a revocable living trust, FreeWill isn't an option today. A funded revocable trust can let assets pass without probate, but only for assets actually retitled into the trust, and probate rules differ by state. Our guides on what a living trust is and living trust vs will explain when one is worth it.

Can I name a guardian for my children in a free will?

Yes. FreeWill lists naming a guardian for your children, and a pet caretaker, as things a will can do. Trust & Will lists guardian nominations too. A guardian nomination in a will is a request that a court considers, so choose carefully and talk to the person first. Complicated family situations, like blended families or disputes between parents, are where a lawyer's advice is most valuable.

What about support and attorney help?

This is the clearest gap. FreeWill is self-service with a support team. Trust & Will offers weekday customer support and optional attorney support for an extra fee. Neither company's software gives you personalized legal advice on its own. If you want a lawyer to review your plan, compare costs in our online will vs lawyer-drafted will guide.

What about updates?

FreeWill says you can come back, edit your will and generate a new one. You must print and sign the new version in front of two witnesses. Trust & Will lists a $49 yearly membership, and FreeWill's comparison says updates are free for the first year and need membership after. Confirm that on Trust & Will's site before assuming either way.

Whichever you choose, review your will after big life events like marriage, divorce, a new child, or a move to another state.

What won't either one do?

Are online wills valid in every state?

Making a will online is legal. What makes a will valid is how it's signed, not how it was drafted. FreeWill says its wills are valid for property in the 50 states and DC, and Trust & Will describes its plans as state-specific. Each state sets its own execution rules, so what's valid in one state can differ in another.

In general, a will has to be in writing, signed by you, and witnessed. Vermont's statute, for example, requires a signature in front of two or more credible witnesses who sign in front of you and each other (14 V.S.A. Β§ 5). Louisiana is different: FreeWill says Louisiana requires two witnesses and a notary public. Some states also allow a "self-proving" affidavit signed in front of a notary to make probate smoother.

If you move, your will isn't automatically void, but it's smart to have it checked against the new state's rules.

How do you sign and witness an online will?

Both services produce documents you finalize yourself. FreeWill gives you a PDF to print with an instructions page for signing and witnessing. Trust & Will says you can download and print, or have your documents shipped, and you still sign and witness them.

A will that's printed but never witnessed correctly may not be valid. This is the most common place free and paid users alike go wrong.

Who should pay for Trust & Will, and who shouldn't?

βœ… Free is probably fine if you:

πŸ’³ A paid plan may be worth it if you:

See Trust & Will's current plans β†’

Affiliate link β€” we may earn a commission at no extra cost to you. For simple wills, free wins on price.

See an attorney if you own a business, have a blended family, expect a taxable estate, have a child with special needs, or own property in several states. Our estate planning cost guide shows what lawyers typically charge.

What other options are worth looking at?

Fabric, Nolo, LegalZoom, Rocket Lawyer and Willful also sell or give away will products, though we don't link to them here. LawDepot is another paid alternative with a document library; check its current pricing since plans are subscription-based. For broader lists, see our best free will makers, free online will makers and best online will maker pages, or head-to-head LegalZoom vs Trust & Will.

Not sure what you need? Try our 60-second quiz, and see how we evaluate services.

Frequently Asked Questions

Is FreeWill really free?

Yes. FreeWill says its tools are 100% free, with no credit card required, and that it is supported by nonprofit partners. It will prompt you to consider leaving a charitable gift, but you are not required to include one.

Is a FreeWill will legally valid?

FreeWill says a will is valid once you print it and sign it in front of two witnesses, and that Louisiana requires two witnesses plus a notary public. Rules vary by state, so confirm the requirements where you live.

Does Trust & Will cost money?

Yes. Trust & Will lists a Will Plan at $199 for an individual or $299 for couples, and a Trust Plan from $499 (couples $599). It also lists a $49/year membership and an optional attorney-support add-on. Prices checked October 2026; check current pricing before you buy.

Can I make a living trust with FreeWill?

FreeWill currently offers a revocable living trust only to California residents. In other states it offers wills, healthcare directives, financial powers of attorney and beneficiary designations.

Who should pay for a will instead of using a free one?

People who want a trust, a more guided paid experience, or access to attorney support may find a paid plan worth it. Those with large, blended-family, business or out-of-state assets should consider an estate planning attorney instead.

Do I need a lawyer if I use a free online will?

Not always. Many people with simple situations use online wills. If your estate is complex or your family situation is contested or unusual, talk to a licensed attorney in your state.

Do I have to pay to update my will?

FreeWill says you can edit and regenerate your will from your account, then print and sign it again. Trust & Will lists a $49/year membership, and FreeWill's own comparison says updates require it after the first year, so confirm Trust & Will's current update terms.

Is it worth using a paid service if I just need a simple will?

Often not. If your estate is simple and you are comfortable with a questionnaire, a free will signed correctly can do the job. Paying makes more sense when you want a trust or extra support.

Not legal advice. This article is general information, not legal advice, and no document guarantees any outcome. Laws differ by state; consult a licensed attorney about your situation.

Not Sure Which Service Fits Your Situation?

Our 60-second quiz matches you to the best service for your specific needs.

Take the Free Quiz β†’