This article lists out our ranking of Online Wills applicable for Singapore. Please read "The Ultimate Guide to Online Wills (Singapore)" first to understand the basics of Online Wills and how we judge. Once you are ready, continue reading.
Who’s Good?
Let’s start with some benchmarks. For us, the user friendliness and comprehensiveness of US-based website FreeWill.com is the holy grail (although not immediately applicable to Singapore). OCBC’s free online will generator is what we set as the “average” standard. Providers that falls below OCBC’s standard are automatically omitted because then it would be better off using OCBC’s free platform.
Illustration of Benchmarks
User Friendliness: 5/5 stars
Comprehensiveness: 5/5 stars
Cost: Free
Able to make changes after initial use?: Yes, free and anytime via the website.
Comments: The platform is easy-to-understand and a joy to use, with tool tips at each step of the way that not just explain the terms and legislation, but why certain information is needed and the consequences of certain actions. It doesn’t just help people do their will, it also pinpoints issues and educates.
The platform is comprehensive and includes things like digital assets, funerals, pets, charities and secondary/substitute beneficiaries (ie, what happens if the people that you first nominate passes away before you). You can even inform executors about their duties – not just the main executors but also the pet guardian, digital executor and funeral executor.
Drawback: Not applicable to Singapore.
User Friendliness: 3/5 stars
Comprehensiveness: 3/5 stars
Cost: Free
Able to make changes after initial use?: No. Need to re-enter all information.
Comments: For something that is free, this platform is surprisingly comprehensive. Fits the basic requirement while going over and above to explain terms.
Drawback: Boring to use. Interface feels very administrative (though functional). Can’t save and have to do it all at one go (but good if you don’t want your data stored).
Top Three Online Wills In Singapore
(Note: We commit to always try to reach out to the top three to get discounts for Immortalize users. If you don't see any now, check back for more information.)
User Friendliness: 4/5 stars
Comprehensiveness: 5/5 stars
Cost: SG$49-SG$139
Able to make changes after initial use?: No.
Comments: Best for those who wants a “guided tour” and not be burdened by too much decision-making.
Created by a retired Wills & Estates lawyer, we were impressed with the extent to which information and explanation on relevant Singapore law (eg. family provision law) were given. Definitely way above and beyond all other providers in this aspect. The platform is “LGBT friendly” and there’s even an option for your will to cover international assets or just those in Singapore, meaning, you can potentially create your own international or concurrent will provided you are clear on the various local laws.
(See our interview with a lawyer that talks about concurrent wills here)
Drawback: Can’t save and have to do it all at one go (but good if you don’t want your data stored).
NobleWills (Check Promotion here!)
User Friendliness: 5/5 stars
Comprehensiveness: 5/5 stars
Cost: SG$260-SG$1400+.
Add on: Editing membership at SG$50 per annum with unlimited updates for all documents.
Able to make changes after initial use?: Yes. Unlimited updates on the online platform for 30 days
Comments: Best for those who have assets in different countries and wants the convenience of creating their wills online without the hassle of finding different lawyers in different countries to navigate and comply with various rules and regulations on your own.
Their advanced and premium wills offer review of your will by a will specialist. The platform even allows you to appoint a temporary guardian to care for your minor children until the permanent guardian specified in your will can take over the responsibility, a feature that can be useful for expats and a point that is often overlooked by people.
Drawback: More expensive compared to other online wills on Immortalize Marketplace
CreateWills (Check Promotion here!)
User Friendliness: 4.5/5 stars
Comprehensiveness: 5/5 stars
Cost: S$119
Able to make changes after initial use?: Yes, update anytime and pay a smaller fee to print the will.
Comments: Best for Muslims and people who wants the ability to customize
CreateWills offers both conventional wills for non-Muslims and Islamic wills for Muslims. It’s easy-to-understand, many terms are explained and the ability to customize things probably surpass that of FreeWills.
The platform includes multiple languages (English, Malay and Bahasa Indonesia) and free supporting documents like location of important documents, letter to your executor and others.
While most digital wills can’t be used by Muslims, CreateWills has an in-build algorithm that helps you calculate the Faraid distribution.
(Read more on estate planning for Muslims: How Does Muslim Inheritance Work in Singapore?)
Drawback: Greater power means greater responsibility. The ability to customize comes with its downside as you need to know what the selections are for and not everything has its consequences explained (although this is probably why you need a lawyer). There’s a higher chance one can make mistake if you are allowed to customize too much.
Special Mentions
WillCraft
User Friendliness: 3/5 stars
Comprehensiveness: 3.5/5 stars
Cost: SG$49-SG$159
Able to make changes after initial use?: Yes, within 7 days
Comment: Can create will in Chinese. Able to allow lawyer to witness and review for additional charges.
Drawback: There’s a lot of mandatory information required and it takes a while for the pages to load. Helpful tips were shown while the page loads but the words flashes too quickly, making the tips hard to read. Too many clicks to add person or navigate the site.
WillMaker by Singapore Legal Advice
User Friendliness: 3/5 stars
Comprehensiveness: 3.5/5 stars
Cost: SG$89
Able to make changes after initial use?: Yes, within one month.
Comment: Sends a lot of follow up educational content to educate people on will making.
Drawback: Doesn’t allow for guardians to be non-Singaporean. Requires NRIC before one can proceed. Very basic user interface.
MoneyOwl
User Friendliness: 4/5 stars
Comprehensiveness: 2/5 stars
Cost: SG$0 with promo code
Able to make changes after initial use?: Yes.
Comment: Love the use of non-morbid colors to make will making more enjoyable.
Drawback: Can only distribute estate by percentage.
If you would like your online will platform to be considered for our review or have any questions/feedback, kindly reach out to us at j@immortalize.io.
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Disclaimer: Nothing in this article or site should be construed as providing legal advice or advice of any sort. The information provided are general in nature and may become inaccurate over time. Please consult a professional for advice.
For any issues or queries, please contact j@immortalize.io