Illinois Probate vs Living Trust Calculator

Illinois fees are "reasonable," not a fixed percentage — but between the executor, the attorney, and one of the country's lowest estate-tax exemptions, the math still adds up fast.

Probate side: 755 ILCS 5/27-1 & 5/27-2 FigureMyTax Editorial Team Free · no sign-up

Your Illinois estate

Enter your estate value — we'll estimate Illinois probate cost (independent administration) and compare it to a typical trust setup cost.

$
$
Estimated Illinois probate cost vs trust setup
Probate (estimated)
$0
Living trust setup
$0
Is it worth it for me? →
Facing probate in Illinois?

A local probate attorney can review your estate — many offer a free consultation.

Talk to an Illinois attorney

Illinois probate cost vs living trust cost

The probate side of this comparison reuses the same approach as the Illinois Probate Cost Calculator: a reasonable executor fee under 755 ILCS 5/27-1 (typically 2–4%, no statutory percentage), a comparable reasonable attorney fee under § 5/27-2, plus county filing and publication costs. On a $500,000 estate that's roughly $10,000–$20,000 in executor fee alone. The trust side is market data, not a statutory figure: Illinois attorneys typically charge roughly $1,000–$6,000 for a revocable living trust. See the full breakdown in Illinois Living Trust Setup Cost.

One Illinois-specific wrinkle worth knowing: a basic revocable trust doesn't by itself reduce exposure to Illinois's state estate tax, which kicks in above a $4,000,000 exemption — one of the lowest in the country and not portable between spouses. For estates near or above that line, more advanced tax planning matters more than the probate-avoidance case alone. See Is a Living Trust Worth It in Illinois? for the fuller picture.

Illinois probate vs living trust — frequently asked questions

Is a living trust worth it in Illinois?

For most estates above the $150,000 small estate affidavit threshold, yes — reasonable executor and attorney fees together commonly run 4–8% of the estate, and a trust also matters more in Illinois than most states because the $4 million estate-tax exemption is unusually low and not portable.

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

On a $500,000 estate, a reasonable executor fee (2–4%) runs roughly $10,000–$20,000, plus an attorney fee commonly $3,000–$7,000 or more, plus filing and publication costs. An Illinois living trust typically costs roughly $1,000–$6,000 to set up with an attorney.

Does a living trust help with Illinois's low estate tax exemption?

Not by itself — a basic revocable trust doesn't reduce the taxable estate, since its assets are still counted for Illinois estate tax purposes. Estates near or above $4,000,000 typically need more advanced tax planning beyond a simple trust.

This calculator provides an estimate for general guidance only and is not legal or financial advice. Probate-side figures are based on Illinois statute (755 ILCS 5/27-1, 5/27-2) using typical reasonable-fee percentages, not a statutory schedule. Trust-side figures are illustrative market rates, not a legal or statutory amount, and vary by attorney and estate complexity. Confirm current figures with a licensed Illinois estate planning attorney before acting.