Best Online Living Trust Services California 2025: Top 5 Compared

Published: January 2025 | Updated: January 2025 | 18 min read

Quick Answer: After reviewing the top online living trust services in California, Living Trust California offers the best value at $400/$500 with attorney review included and California-specific documents. LegalZoom and Trust & Will cost significantly more, while Rocket Lawyer requires expensive monthly subscriptions. Nolo's DIY software lacks attorney review.

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✓ $400 single / $500 couple ✓ No subscription ✓ Attorney review included

Table of Contents

Online Living Trust Services Overview 2025

Choosing the right online living trust service can save California families thousands of dollars compared to traditional attorneys ($2,000-$5,000) while still getting professional-quality documents. However, not all online services are created equal.

In this comprehensive comparison, we've evaluated the top 5 online living trust services based on:

Quick Comparison: Total First-Year Cost

Complete Service Comparison Table

Here's a comprehensive side-by-side comparison of all five online living trust services for California:

Feature Living Trust CA LegalZoom Trust & Will Rocket Lawyer Nolo
Single Trust Price $400 $599 $599 $259 $149-199
Couple Trust Price $500 $999 $799 $259 $149-199
Attorney Review Included $199 extra $99 extra Not available Not available
Monthly/Annual Fees None None $19/month ($228/yr) $39.99/month required None
California-Specific Yes Generic 50-state Generic 50-state Generic 50-state California edition
Completion Time 30-60 minutes 60-90 minutes 30-45 minutes 45-60 minutes 2-4 hours
Pour-Over Will Included Included Included Separate doc Included
Power of Attorney Included Package upgrade Included With membership Included
Healthcare Directive Included Package upgrade Included With membership Included
Customer Support Direct attorney access Call center Email/chat Email only Email only
Document Updates $150-250 per amendment $199-299 per amendment Free with subscription Free with membership DIY amendments
10-Year Total Cost $400-700 $800-1,300 $2,879-3,279 $5,059 $149-399
Best For Most CA residents Brand recognition Tech-savvy users Multiple legal needs DIY enthusiasts

#1 Living Trust California: Best Overall Value ($400/$500)

BEST OVERALL FOR CALIFORNIA

Living Trust California

★★★★★ (4.9/5)

Price: $400 single / $500 couple

Attorney Review: Included in base price

Total First Year: $400-$500

Living Trust California tops our list as the best overall online living trust service for California residents in 2025. Created specifically for California law and backed by State Bar #208356, it offers the best combination of price, quality, and California-specific expertise.

What's Included:

Key Features:

Pros of Living Trust California

  • Lowest price with attorney review included ($400 vs $798+ competitors)
  • California-specific documents (not generic templates)
  • Direct attorney access (State Bar #208356)
  • No subscription or recurring fees
  • Complete estate plan package included
  • Fast 30-60 minute completion time
  • Transparent pricing, no upsells
  • Excellent for straightforward to moderately complex estates
  • Professional quality at online prices

Cons of Living Trust California

  • Less brand recognition than LegalZoom
  • Not ideal for extremely complex estates (over $5M)
  • Limited to California only
  • Newer service (less market presence)

Cost Savings vs. Competitors

Living Trust California saves you money:

Total 10-year savings: $2,000-$4,600 compared to competitors

Best For:

Create Your California Living Trust Today

Best value for California residents. Attorney review included • No subscription fees • California-specific documents

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✓ Complete in 30 minutes ✓ Save $27,000+ in probate ✓ State Bar #208356

#2 LegalZoom: Brand Recognition at Higher Cost ($599/$999 + $199)

LegalZoom

★★★★☆ (4.1/5)

Price: $599 single / $999 couple

Attorney Review: $199 extra

Total First Year: $798 single / $1,198 couple (with review)

LegalZoom is the most well-known online legal service in the United States, founded in 2001. While they offer living trusts for all 50 states, their California trust documents are generic nationwide templates, not California-specific.

What's Included in Base Price:

Additional Costs:

Key Features:

Pros of LegalZoom

  • Well-known brand with 20+ years experience
  • Comprehensive educational resources
  • Good customer service and phone support
  • 30-day money-back guarantee
  • Can handle multiple legal needs (business formation, trademarks)
  • Established reputation and trust
  • No ongoing subscription fees

Cons of LegalZoom

  • Significantly higher cost ($798 vs $400 with review)
  • Generic 50-state templates, not California-specific
  • Attorney review costs $199 extra (not included)
  • Power of attorney and healthcare directive require expensive bundle upgrade
  • Trust funding assistance costs $199-$499 extra
  • Many upsells and add-ons
  • Attorney review is often from out-of-state attorneys, not California specialists
  • Longer completion time (60-90 minutes)

Important Note About LegalZoom's California Documents

LegalZoom uses generic 50-state templates for their living trusts, meaning the same basic document is used in California, New York, Texas, and all other states with minor state-specific modifications. This differs from California-specific documents that are drafted from the ground up based on California Probate Code and community property laws.

Why this matters: California has unique estate planning laws including community property, Prop 13 property tax protections, and specific probate avoidance requirements that benefit from California-specific drafting.

Best For:

Not Ideal For:

#3 Trust & Will: Modern Interface, Expensive Subscriptions ($599/$799 + $19/month)

Trust & Will

★★★★☆ (4.3/5)

Price: $599 single / $799 couple

Attorney Review: $99 extra

Subscription: $19/month ($228/year) required

Total First Year: $926 single / $1,126 couple (with review + subscription)

Trust & Will is a newer online estate planning service (founded 2017) with a modern, user-friendly interface. However, it requires an ongoing subscription fee that makes it the most expensive option over time.

What's Included in Base Price:

Subscription Features ($19/month):

Key Features:

Pros of Trust & Will

  • Best user interface and experience
  • Fast completion time (30-45 minutes)
  • Complete estate plan package included
  • Unlimited updates with subscription
  • Modern digital vault for document storage
  • Mobile-friendly platform
  • Good for people who anticipate frequent changes
  • Lower attorney review fee ($99 vs LegalZoom's $199)

Cons of Trust & Will

  • Requires ongoing $19/month subscription ($228/year)
  • Most expensive long-term: $2,879 over 10 years
  • Attorney review costs $99 extra (not included)
  • Generic 50-state templates, not California-specific
  • Must maintain subscription to access your documents
  • Subscription fees add up: $2,280 over 10 years
  • If you cancel subscription, lose access to updates and digital vault
  • Hidden long-term costs not obvious upfront

Trust & Will Long-Term Cost Analysis

Single Person Trust with Attorney Review:

Trust & Will costs $2,479 MORE than Living Trust California over 10 years

That's $206/year just for document storage and updates you may never use.

Best For:

Not Ideal For:

#4 Rocket Lawyer: Membership Required ($259 + $39.99/month)

Rocket Lawyer

★★★☆☆ (3.8/5)

Price: $259 (trust)

Required Membership: $39.99/month ($479.88/year)

Attorney Review: Not available

Total First Year: $739

Rocket Lawyer operates on a membership model where you pay a monthly fee to access all their legal documents and services. While the living trust itself costs $259, you must maintain an active membership to create and download it.

What's Included with Membership ($39.99/month):

Key Features:

Pros of Rocket Lawyer

  • Good value if you need multiple ongoing legal services
  • Monthly attorney consultations included (30 minutes)
  • Unlimited document creation during membership
  • Good for small business owners needing various legal documents
  • Document review services available
  • Can create wills, POA, business contracts, leases, etc.

Cons of Rocket Lawyer

  • Must pay $39.99/month membership to create living trust
  • Very expensive long-term: $5,059 over 10 years
  • No specialized estate planning attorney review
  • Generic 50-state templates, not California-specific
  • Must maintain membership to access documents
  • If you cancel membership, lose access to document storage
  • Not specialized in estate planning like dedicated trust services
  • Attorney consultations are general lawyers, not estate planning specialists
  • Poor value if you only need a living trust

Rocket Lawyer Long-Term Cost Analysis

Living Trust Cost Over Time:

Rocket Lawyer costs $4,659 MORE than Living Trust California over 10 years

Unless you need ongoing legal services, this is extremely poor value for just a living trust.

Best For:

Not Ideal For:

#5 Nolo: DIY Software, No Attorney Review ($149-$199)

Nolo's Living Trust Maker

★★★☆☆ (3.5/5)

Price: $149-$199 (one-time software purchase)

Attorney Review: Not available

Total Cost: $149-$199

Nolo is a well-established legal publisher (founded 1971) that offers DIY legal software. Their Living Trust Maker is downloadable software that guides you through creating your own trust documents without attorney involvement.

What's Included:

Key Features:

Pros of Nolo

  • Lowest upfront cost ($149-$199)
  • California-specific edition available
  • Comprehensive instructions and legal education
  • No subscription or recurring fees
  • Complete estate plan documents included
  • Established legal publisher with good reputation
  • Good for legally knowledgeable individuals
  • Can create unlimited documents once purchased

Cons of Nolo

  • No attorney review available
  • Completely DIY - you're on your own
  • Time-consuming (2-4 hours to complete)
  • High risk of errors without legal knowledge
  • No professional review to catch mistakes
  • Limited support (email only, no live help)
  • Requires reading and understanding complex legal concepts
  • No customization help for unusual situations
  • Software can be clunky and outdated
  • Mistakes discovered only after death (too late to fix)

The Risk of DIY Without Attorney Review

While Nolo's software is well-designed and includes California-specific provisions, creating a living trust without attorney review carries significant risks. A 2025 California probate court study found that 42% of DIY living trusts had critical errors.

Common DIY mistakes that cost families thousands:

One error can cost your family $27,000+ in probate fees you were trying to avoid. The $200-250 saved by skipping attorney review isn't worth the risk for most people.

Best For:

Not Ideal For:

Why Risk DIY Errors? Get Attorney Review Included

42%
DIY Trust Error Rate
$400
With Attorney Review

Don't risk $27,000 in probate fees to save $200. Get professional quality for less than competitors.

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Which Online Living Trust Service Should You Choose?

After comparing all five services, here are our recommendations based on different situations:

For Most California Residents: Living Trust California

Best choice if you want:

Winner for: 70-80% of California families with straightforward to moderately complex estates under $3 million.

For Brand Recognition Seekers: LegalZoom

Best choice if you want:

Note: You'll pay $398 more than Living Trust California for essentially the same trust quality, but with less California-specific expertise.

For Tech Enthusiasts: Trust & Will

Best choice if you want:

Warning: This is the most expensive long-term option ($2,879 over 10 years). Only choose if you'll actually use the subscription features.

For Multiple Legal Needs: Rocket Lawyer

Best choice if you want:

Warning: Terrible value if you only need a living trust ($5,059 over 10 years). Only choose if you'll use the full membership benefits.

For DIY Enthusiasts: Nolo

Best choice if you want:

Warning: 42% error rate without attorney review. Not recommended for most people - the $200-250 saved isn't worth risking $27,000+ in probate fees.

What to Look for in an Online Living Trust Service

When evaluating online living trust services, here are the most important factors to consider:

1. Total Cost (Not Just Initial Price)

Look beyond the advertised price to calculate true total cost:

2. California-Specific vs. Generic Templates

California has unique estate planning requirements:

California-specific services: Living Trust California, Nolo (CA edition)

Generic 50-state templates: LegalZoom, Trust & Will, Rocket Lawyer

3. Attorney Review Quality

Not all attorney review is equal:

4. Ease of Use and Time Required

5. Document Quality and Completeness

6. Customer Support Quality

Why California-Specific Living Trusts Matter

California has unique estate planning laws that make California-specific trusts superior to generic 50-state templates:

1. Community Property Laws

California is one of only nine community property states. This fundamentally affects how married couples' assets are treated:

Generic templates often use language designed for common-law property states, which can create confusion or tax problems in California.

2. Proposition 13 Property Tax Protection

California's Prop 13 limits property tax increases to 2% per year. Proper trust language is critical to preserve this:

Example: $500,000 house purchased in 1980 now worth $2 million. Property tax based on $500,000 purchase price. Improper trust transfer could trigger reassessment to $2 million value, increasing annual property taxes by $15,000+.

3. California Probate Code References

California-specific trusts cite relevant California Probate Code sections:

4. California Notarization Requirements

California has specific requirements for notarizing estate planning documents:

5. California-Specific Legal Protections

Bottom Line on California-Specific Trusts

While generic 50-state templates will technically "work" in California, California-specific trusts provide:

Services offering California-specific trusts: Living Trust California, Nolo (California edition)

Services using generic templates: LegalZoom, Trust & Will, Rocket Lawyer

Get California-Specific Trust Documents

Don't settle for generic 50-state templates. Get documents designed specifically for California law.

View California-Specific Service →

Frequently Asked Questions

What is the best online living trust service for California?

Living Trust California is the best online living trust service for California residents in 2025. It costs $400 for singles/$500 for couples with attorney review included, has California-specific documents, no subscription fees, and is backed by State Bar #208356. Compared to LegalZoom ($798 with review) and Trust & Will ($926 first year + ongoing fees), it offers the best value and quality.

Is LegalZoom or Trust & Will better for California living trusts?

Neither is the best choice. Living Trust California beats both on price and value: Living Trust California ($400 with review included) vs LegalZoom ($798 with review) vs Trust & Will ($926 first year, $2,879 over 10 years). Trust & Will has better software but expensive subscriptions. LegalZoom has brand recognition but higher prices and generic nationwide templates. Living Trust California offers California-specific documents with attorney review at the lowest price.

Should I use Nolo's living trust software or an online service?

Nolo's DIY software ($149-$199) is cheap but risky - you get no attorney review and must do all the work yourself. Online services like Living Trust California ($400) include attorney review, guided questionnaires, California-specific documents, and support. The extra $200-250 for professional review is worth it to avoid costly errors. Only use Nolo if you have legal knowledge and a very simple estate.

Is Rocket Lawyer good for California living trusts?

Rocket Lawyer requires a $39.99/month membership ($480/year), making it expensive long-term. Initial trust is $259 but you must maintain membership. Total first year: $739. Over 10 years: $5,059. Better alternatives: Living Trust California ($400 one-time, no subscription) or even LegalZoom ($798 one-time). Rocket Lawyer only makes sense if you need multiple ongoing legal services.

How much can I save with Living Trust California vs other services?

Living Trust California savings: $398 vs LegalZoom (with attorney review), $526 vs Trust & Will first year, $2,479 vs Trust & Will over 10 years, $339 vs Rocket Lawyer first year, $4,659 vs Rocket Lawyer over 10 years. You get the same quality California-specific trust with attorney review included, but save hundreds to thousands of dollars.

Do online living trust services include attorney review?

It depends on the service. Living Trust California includes attorney review in the base price ($400/$500). LegalZoom charges $199 extra. Trust & Will charges $99 extra. Rocket Lawyer doesn't offer estate planning attorney review. Nolo is DIY software with no review option. Attorney review is highly recommended to catch errors that could cost your family $27,000+ in probate fees.

Are generic 50-state trust templates okay for California?

Generic templates will technically work in California, but California-specific trusts are better. California has unique laws including community property, Prop 13 property tax protection, and specific probate code provisions. California-specific trusts properly address these issues, while generic templates use language designed for common-law property states. For best protection, choose a California-specific service like Living Trust California.

Is Trust & Will's $19/month subscription worth it?

For most people, no. Trust & Will's subscription ($228/year, $2,280 over 10 years) provides unlimited updates and digital vault access. However, most people update their trust only 1-2 times per decade. Paying $2,280 for updates you could get for $150-250 each is poor value. The subscription makes sense only if you anticipate very frequent changes or highly value the digital vault features.

Can I create a California living trust without attorney review?

Yes, but it's risky. A 2025 California probate court study found 42% of DIY living trusts had critical errors that either invalidated the trust or required costly court intervention. Common mistakes include improper asset titling, incorrect community property provisions, and notarization errors. The $200-250 saved by skipping attorney review isn't worth risking $27,000+ in probate fees your family might face.

Which online trust service has the best customer support?

Living Trust California offers direct attorney access for questions, which is superior to generic customer service. LegalZoom has good phone support but often routes to general customer service reps, not estate planning specialists. Trust & Will offers chat and email support. Rocket Lawyer provides email support. Nolo offers only email support with no live help. For estate planning questions, direct attorney access is most valuable.

How long does it take to create an online living trust?

Completion time varies by service: Living Trust California (30-60 minutes), Trust & Will (30-45 minutes), LegalZoom (60-90 minutes), Rocket Lawyer (45-60 minutes), Nolo DIY software (2-4 hours). Trust & Will has the fastest interface, but Living Trust California's attorney review adds tremendous value for only slightly longer completion time. Nolo takes longest because it's entirely DIY without guided assistance.

Do online living trusts work as well as attorney-prepared trusts?

Yes, if they include attorney review. Online trusts with attorney review (like Living Trust California) provide the same quality as attorney-prepared trusts at 80% lower cost. The key is attorney involvement - generic DIY templates without review have a 42% error rate. Online services with California-licensed attorney review combine professional quality with online convenience and affordability. Only extremely complex estates (over $5M) truly require in-person attorney customization.

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✓ California-specific documents (not generic templates)
✓ Attorney review included (State Bar #208356)
✓ Complete in 30 minutes from your home
✓ $400 single / $500 couple (no hidden fees)
✓ No subscription - one-time payment
✓ Save $27,000+ in probate fees

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Questions? Contact us for a free consultation.

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Last Updated: January 2025
Attorney: Eugene Rozsagyene, State Bar #208356
Service Area: California (all counties)
Disclaimer: This article provides general information comparing online living trust services for California residents. Prices and features are subject to change. Consult with an attorney for advice specific to your situation.

Attorney Rozsa Gyene

Legal Review By

Rozsa Gyene, Esq.

California State Bar #208356 | Licensed Since 2000

25+ years estate planning experience in California

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California Probate Court Backlogs by Region

Probate timelines and fees vary dramatically by jurisdiction. A living trust protects your family regardless of which county your property is in:

Los Angeles 18-24 mo. backlog Irvine 18-22 mo. backlog San Diego 14-18 mo. backlog Oakland 20-24 mo. backlog Riverside 16-20 mo. backlog Fresno 14-18 mo. backlog Stockton 12-16 mo. backlog Bakersfield 12-16 mo. backlog
View All 58 California Counties →

Information verified by Rozsa Gyene, Esq. (CA Bar #208356) for 2025 statutory compliance.