Connecticut Probate vs Living Trust Calculator

Here's the number that surprises most Connecticut families: a revocable living trust does not avoid the state's Probate Court fee, because that fee is based on your gross estate, trust assets included.

Probate side: C.G.S. § 45a-107 FigureMyTax Editorial Team Free · no sign-up

Your Connecticut estate

Enter your gross estate value — this is what drives the Probate Court fee, whether or not you use a trust.

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Estimated Connecticut probate cost vs trust setup
Probate (estimated)
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Living trust setup
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Connecticut probate cost vs living trust cost

The probate side of this comparison reuses the same approach as the Connecticut Probate Cost Calculator: the statutory Probate Court fee under C.G.S. § 45a-107, a sliding scale up to 1% capped at $40,000, plus reasonable fiduciary and attorney fees that Connecticut sets with no fixed percentage. The trust side is market data, not a statutory figure: Connecticut attorneys typically charge roughly $2,500–$5,000 for a married couple's revocable living trust plan, more for complex estates. See the full breakdown in Connecticut Living Trust Setup Cost.

The single most important thing to understand: the Probate Court fee basis is the greatest of the inventory, the gross estate for succession or estate-tax purposes, or the Connecticut taxable estate — and that basis includes assets in a revocable living trust, jointly held property, and beneficiary-designated accounts, even though none of those pass through the Probate Court. A trust removes assets from probate; it does not remove them from the fee calculation.

Connecticut probate vs living trust — frequently asked questions

Does a living trust avoid the Connecticut Probate Court fee?

No — this is the biggest surprise for Connecticut families. The fee under C.G.S. 45a-107 is based on the greatest of several gross-estate measures, which include assets held in a revocable living trust. Moving assets into a trust removes them from probate, but not from the fee calculation.

So what does a living trust actually save in Connecticut?

Mainly the fiduciary and attorney fees tied to running probate itself, the 150-day creditor process, the mandatory estate-tax filing timeline, and privacy — since a funded trust isn't part of the public Probate Court record. The Probate Court fee itself is not avoided.

How much does Connecticut probate cost compared to a living trust?

On a $500,000 gross estate, the Probate Court fee alone runs about $1,570–$1,865 depending on the exact calculation, plus reasonable fiduciary and attorney fees that a trust can avoid. A Connecticut living trust for a married couple typically costs $2,500–$5,000, more for complex estates.

This calculator provides an estimate for general guidance only and is not legal or financial advice. Probate-side figures are based on Connecticut statute (C.G.S. § 45a-107). Trust-side figures are illustrative market rates, not a legal or statutory amount, and vary by attorney and estate complexity. Confirm current figures with the Probate Court or a licensed Connecticut estate planning attorney before acting.