What will happen when you die? What if you split with your partner? Why should you make a will? Do you even need one? We check out the key issues and options in Making a Will, including the easiest, and cheapest, ways to make your own will.

Do you even need to make a will?

This is an important question to ask, and the answer will be a personal decision. In our opinion, if you have a family then you absolutely should make a will.

Have you decided how you want your property and possessions to be distributed if you were to die? Have you thought about who should take care of your children? If you own a home, have you thought about how the mortgage would get paid? If you have step-children, or your kids are grown and have kids of their own, have you thought about how your assets would be divided?

Your “Will” provides your written instructions about what to do with your estate when you die, how you want your dependents (partner and/or children) to be cared for; and what parts of your estate will go to which beneficiaries.

Why is it important to incur the effort and expense of a Will? Well, this is one of the most important documents that you’ll ever create and sign.

If you die “intestate” (i.e. without a Will), then the Administration Act specifies how your estate will be distributed after your death, which may not be as you truly wished, or even would have expected. Family and friends may then experience significant frustration, stress, delay and costs, especially in the event of a legal claim against your estate.

This isn’t something you would want your family to suffer, while they are grieving.

If you have possessions, property and dependents, then you should make a Will. You should also revise your Will on any significant life change — getting married, divorced, moving in with a partner, or having more children. At a bare minimum, it is wise to revise your will every 5 years.

How to Make a Will

Asking a close ‘friend’ to just write out a Will for you is probably not the best idea! Having a lawyer create a Will for you can be a very expensive experience (although for some families this is a necessary option, see more below).

And somewhere between the nose-bleed-inducing legal option and the we-really-don’t-recommend-this ‘homer’ version lies the DIY Will. This option should get you a legally binding Will for under $50, and is definitely the option we recommend.


Here’s several different options for making a Will, depending on how much you want to spend, and how complicated your finances are:

1. Buy a ‘do-it-yourself-will’ online.

An online do-it-yourself Will is by far the most popular way of getting a straightforward will done quickly and cheaply. The Wills you buy online are simple to fill in and legally accurate. Best of all though online Wills cost about 10 times less than using a lawyer. This is definitely our recommended way of making a will. The best, and cheapest, option in New Zealand by far is DIY Wills.

2. Buy the do-it-yourself NZ Will Kit.

The NZ Will Kit is available from all good online bookstores. Just fill in the blanks on the template forms, and no lawyer is required. The NZ Will Kit has been used by 1,000s of Kiwis.

3. Contact the Public Trust for help.

They may be able to assist you by preparing your will for free. You must meet the income criteria for a Community Services card, and you make the Public Trust your executor and trustee. You can check out the Public Trust online.

4. Contract a lawyer to draw up a will.

If you choose this option, you do need to understand that this will be, by far, the most expensive way to draw up a will. However, for some families (eg. those with managed Trusts, blended families, families with businesses, or large financial interests, and those with international assets, or other complicated financial affairs) the protection afforded by a lawyer will be well worth the expense. For this option, make sure you take with you:

  • A detailed list of all your property (including land, houses, furniture, jewellery, bank accounts, shares, and life assurance policies)
  • A list of full names, ages and addresses of the people who make up your family
  • A detailed list of people and charities you wish to leave property to
  • Any trust deed or relationship property agreement you’ve made
  • Name of the ‘executor’ (a responsible and trustworthy person)
  • Decisions regarding payment of liabilities (mortgages, debts, overdrafts)
  • Name of the preferred guardian(s) of your children under 18 years
  • Name of a trusted and responsible person who will assume ‘enduring powers of attorney’ to manage your care and your property in the event you become incapacitated through illness or accident.

For more information on making a will, check out the New Zealand Law Society’s Guide or contact the Public Trust on 0800 371 471 for a free copy of their Wills & Enduring Powers of Attorney Know How Guide.

For more expert advice on protecting your assets, check out our Family Finances section.

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This information was compiled by the Kiwi Families team.

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leslie coombs

my sons wife made her will out to her parents/siblings but has not changed her will to favour her husband and child after she got married and refuses to do so. they have been married for 8 years what is the legal opinion about this situation. can the husband contest the will or does the estate automatically go to the spouse/child


Do you have to have executors
can I not just leave it to my daughters ro administer as they are Adults
The expense is huge on the estate


I have been told that a Will is not necessary if you have under $14,000 as it doesn’t need to go through probate – is that correct?

Rochelle Gribble

Hi Christine, You’d be best to contact your local Citizen’s Advice Bureau or Family Law centre about this. Good luck! Rochelle

Blue Ben

Thanks for the advice on your website, it’s all really useful, it’s a great resource.
Do you happen to know much about http://www.nzwillkit.com?
We’re exploring our options at the moment, and stumbled across the above website.
Just wondering if any of your readers /users had any comments in relation to the above site?
Thank you.

Rochelle Gribble

Hi Blue Ben,

I’ve not had feedback on it but I would suggest that if there is anything complicated about your situation, you seriously consider consulting a lawyer about it.

Good luck!



Thanks for that. My mum left behind a will ( in a desk drawer at home) all properly done in accordance with the ‘rules’ above. What happens next ?

Rochelle Gribble

Hi Aroha,

You need to get the executors to administer the will – the Community Law Centres website has information about this: http://www.communitylaw.org.nz/community-law-manual/chapter-18-wills/administration-of-an-estate/



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