Ohio Estate Planning: Free Wills, Trusts & Calculators

Like all states, Ohio recognizes formally executed wills and living trusts as valid estate planning tools. A standard will here requires 2ORC § 2107.03Verified Jul 15, 2026View source adult witnesses. One notable limitation: Ohio doesn't recognize self-proving wills. Your witnesses may need to appear in court after your death to confirm they watched you sign, so keep their contact information on file.

If you die without a will in Ohio, your heirs must survive you by at least 120 hoursORC § 2105.06Verified Jul 15, 2026View source to inherit anything. This "survival period" exists to prevent property from passing through multiple estates in quick succession when family members die close together in time, such as in an accident.

Unlike states with formal independent administration statutes (such as California and Texas), Ohio doesn't offer a simplified procedure for executors to petition for reduced court oversight. However, executors typically have statutory authority to manage routine estate matters. For families looking to avoid probate court involvement entirely, a revocable living trust remains the most reliable option.

Ohio does not impose a state estate tax or inheritance tax, which means estates are only subject to the federal estate tax (currently exempting the first $15,000,00026 USC 2001(c), 2010; P.L. 119-21 §70106Verified Jul 13, 2026View source per person, or $30,000,00026 USC 2001(c), 2010; P.L. 119-21 §70106Verified Jul 13, 2026View source for married couples using portability). This is a meaningful advantage over the states that layer their own death taxes on top of the federal system.

Ohio allows transfer-on-death deeds for real estate, enabling property to pass directly to named beneficiaries without probate. This is a significant probate avoidance tool that doesn't require creating a trust. Transferring property into a revocable trust does not trigger a property tax reassessment in Ohio, so property taxes remain at their current level. Ohio fully enforces no-contest clauses in trusts and wills. A beneficiary who unsuccessfully challenges the document can lose their entire inheritance, which strongly discourages frivolous disputes.

Ohio provides a statutory homestead exemption protecting up to $125,000 in home equity from creditors. While not as strong as the constitutional protections in states like Texas or Florida, this still provides meaningful protection for the family home.

Ohio automatically revokes an ex-spouse as beneficiary on life insurance, retirement accounts, and similar designations upon divorce. However, these automatic revocations can be overridden by a divorce decree or by re-designating the ex-spouse after the divorce. Ohio provides full creditor protection for inherited IRAs, meaning creditors cannot reach these funds—a protection not available in every state.

Ohio authorizes remote online notarization (RON), allowing trusts, healthcare directives, powers of attorney to be notarized via video call from anywhere. However, wills are excluded from RON and still require in-person notarization.