Utah Estate Planning: Free Wills, Trusts & Calculators

Estate planning in Utah involves navigating a specific set of state laws that differ in important ways from neighboring states. Understanding these distinctions helps ensure your documents will be valid and your wishes carried out as intended.

Like all states, Utah recognizes formally executed wills and living trusts as valid estate planning tools. A standard will here requires 2 adult witnesses, and adding a notarized self-proving affidavit can streamline the probate process later. The state also recognizes holographic (handwritten) wills, though these have stricter proof requirements and are more vulnerable to legal challenges.

The state adopted the Uniform Power of Attorney Act in 2016, modernizing its rules around financial powers of attorney. Documents created before 2016 may not reflect the current law's protections.

If you die without a will in Utah, your heirs must survive you by at least 120 hours 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. Utah uses "per capita at each generation" distribution when dividing assets among descendants. This modern approach ensures that grandchildren whose parent predeceased you share equally with other grandchildren, rather than splitting only their parent's portion.

Smaller estates under $100,000 can use a simplified transfer process that avoids full probate proceedings.

Utah 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 $15,000,000 per person, or $30,000,000 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.

Utah 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 Utah, so property taxes remain at their current level.

Utah provides a statutory homestead exemption protecting up to $33,700 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. Executors must publish a notice to creditors, who then have 3 months to file claims against the estate.

Utah 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. Utah provides full creditor protection for inherited IRAs, meaning creditors cannot reach these funds—a protection not available in every state.

Utah fully authorizes remote online notarization (RON) for estate planning documents, including wills, trusts, healthcare directives, powers of attorney. This allows the entire signing process to happen via video call from anywhere.