Understanding probate fees is essential when planning an estate or administering a will in Ontario. In 2025, Ontario’s Estate Administration Tax (EAT)—commonly referred to as probate fees—remains an important consideration for executors. This guide explains Ontario's probate fees, tax rates, exemptions, and how to estimate your costs.
What Is Probate and Why Does It Matter?
Probate is the legal process that confirms the validity of a will and grants the executor authority to manage the deceased's estate. In Ontario, probate is required for most estates, especially when assets include:
- Real estate solely owned by the deceased.
- Bank accounts or investments without named beneficiaries.
- Business assets or valuable personal property.
For an overview of Ontario’s probate process, visit the Ontario Ministry of the Attorney General.
Ontario Probate Fees for 2025
Ontario’s Estate Administration Tax (EAT) is calculated based on the total value of the deceased’s estate. The probate fee rates for 2025 are as follows:
- $0 for estates valued at $50,000 or less.
- 0.5% ($5 per $1,000) on the portion of the estate between $50,000 and $250,000.
- 1.5% ($15 per $1,000) on the portion of the estate over $250,000.
Example Calculation
For an estate valued at $500,000, the probate fees would be:
- First $50,000 → $0 (no tax applies)
- Next $200,000 ($50,000 - $250,000) → 0.5% = $1,000
- Remaining $250,000 ($250,000 - $500,000) → 1.5% = $3,750
- Total probate fees = $4,750
For more information on tax rates, visit the Ontario Court Forms - Estate Administration Tax.
Who Is Exempt From Ontario Probate Fees?
Certain assets and estates are exempt from Ontario’s probate fees, including:
- Estates valued at $50,000 or less.
- Jointly owned assets with a right of survivorship (e.g., joint bank accounts, shared real estate).
- Life insurance, RRSPs, TFSAs with named beneficiaries.
- Assets held in a trust, such as an inter vivos trust.
For more details on probate exemptions, visit the Canada Revenue Agency (CRA) Estate Guide.
How to Reduce Probate Fees in Ontario
Estate planning strategies can help minimize probate costs:
- Name beneficiaries on life insurance, RRSPs, and TFSAs to avoid probate.
- Hold assets jointly with a spouse or family member.
- Create a trust to transfer wealth outside of the estate.
- Give gifts during your lifetime to reduce the taxable estate value.
Consulting an estate lawyer or financial advisor can help optimize your estate plan. The Ontario Bar Association provides legal resources for estate planning.
Estimate Your Probate Fees With Our Calculator
Use our Ontario Probate Fee Calculator to estimate your estate administration tax costs based on your estate’s value.
- Enter your estate’s total value.
- Instantly calculate the probate fees applicable for 2025.
- Explore tax-saving strategies to reduce fees.
For professional estate planning assistance, visit the Canadian Bar Association – Wills & Estates Law Section.
Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. Please consult a qualified professional for estate planning and probate matters in Ontario.
