It’s not about better — it’s about fit
Asking “which is better” is like asking whether a bicycle or a car is better. It depends where you’re going.
Both online wills and lawyer-prepared wills are legally valid. The question is which suits your situation.
Online wills: best for
| Situation | Why it works |
|---|---|
| Straightforward wishes | Everything to spouse, then children |
| Clear assets | Home, super, savings — nothing complex |
| No family conflict | Everyone gets along, no expected challenges |
| Budget-conscious | Cost matters and you have simple needs |
| Tech-comfortable | You can follow online instructions |
Typical cost: $50–$250
Time: 20–60 minutes
Lawyer-prepared wills: best for
| Situation | Why you need it |
|---|---|
| Blended families | Stepchildren, ex-spouses, competing interests |
| Business ownership | Succession planning, buy-sell agreements |
| Complex assets | Trusts, companies, overseas property |
| Testamentary trusts | Tax-effective structures for beneficiaries |
| Potential disputes | Family members who might challenge |
| Special needs | Beneficiaries on disability support |
Typical cost: $300–$1,500+ depending on complexity
Time: 1–4 weeks including consultations
🇦🇺 In Australia: Public trustees in each state offer will-writing services, often free or low-cost if they're appointed as executor. This can be a middle-ground option.
What you get with a lawyer
Beyond the document itself:
- Advice — They can identify issues you hadn’t considered
- Customisation — Clauses tailored to your specific situation
- Explanation — They ensure you understand what you’re signing
- Coordination — Links to super, POA, and other planning
- Defence — A lawyer-prepared will may be harder to challenge
What you get with online services
- Convenience — Complete at home, any time
- Speed — Finished in one sitting
- Cost savings — Fraction of lawyer fees
- Privacy — No need to discuss personal matters face-to-face
- Templates — Proven formats reviewed by legal professionals
The hidden middle ground
Some options between DIY and full legal service:
- Online services with lawyer review — Create online, lawyer checks it
- Fixed-fee legal services — Lawyers offering simple wills at set prices
- Legal aid — If you qualify, free or subsidised help
- Community legal centres — Free services for eligible people
Questions to help you decide
Ask yourself:
- Is my family situation straightforward? (Yes = online probably fine)
- Do I have assets in trusts or companies? (Yes = probably need lawyer)
- Is anyone likely to challenge my will? (Yes = probably need lawyer)
- Do I have children under 18? (Maybe need testamentary trust = lawyer)
- Can I afford a lawyer? (No = online is valid alternative)
💡 The worst choice: Doing nothing because you can't decide. A simple online will is infinitely better than no will at all.
What to do next
- Honestly assess your situation complexity
- If straightforward: Use our preparation checklist and choose an online service
- If complex: Find a solicitor who specialises in wills and estates
- If unsure: Start with a lawyer consultation — many offer free initial chats
Related: Is an online will legally valid? · How much does a will cost?