Every free Memorial Merits interactive tool for end-of-life planning, spanning funeral, legacy, estate, and grief support, built and maintained by us with no signup gate.
Digital Tools for the Moments When Reading Isn’t What You Need
Not everything fits in a PDF. Sometimes you need someone to talk to at 2 AM. Sometimes you need sound instead of words. Sometimes you just need something that helps you breathe. These tools were built for those moments. Memorial Merits offers a set of free, no-signup tools for funeral, estate, and grief planning: a Funeral Cost Calculator, a Probate Cost Calculator, the Estate Readiness Tool for deciding between a will and a living trust, a Cremation Savings Calculator, an Inherited Annuity Tax Calculator, the Memorial Cipher, the Help Finder for finding the right help in two taps, the Solace AI grief companion, and free calming audio. Every one is free to use, with no login and no email.
Free to use, free to share, no strings
Every tool is free. No login, no email, and no fees, ever.
Always available. Solace runs 24/7 on every page and in the Memorial Merits mobile app.
Yours to share. The audio files download free for personal use and to share with clients, patients, or loved ones, and the Estate Readiness Tool can go on your own website. See how to add it.
These tools are wellness resources, not a substitute for professional therapy, counseling, or medical care. If you are in crisis, please reach out to a licensed professional or call or text the 988 Suicide & Crisis Lifeline.
Every free Memorial Merits interactive tool in one place, for the planning decisions a calculator handles better than a checklist can. No signup, nothing to buy, and free to share. Solace, the guided companion, runs around the clock on every page and inside the Memorial Merits mobile app.
- Funeral Cost Calculator: An itemized range for your own state in about a minute, instead of the package number a funeral home hands across the table.
- Probate Cost Calculator: Probate commonly takes 3 to 7 percent of an estate before anyone inherits, and California can reach $46,000 on a $1,000,000 estate.
- Coverage: All 51 US jurisdictions, with a printable PDF and QR codes so the numbers travel off the screen.
- What these are for: The moments when reading is not what you need and the math has to do the talking.
- If you are in crisis: Reach a licensed professional, or call or text 988 for the Suicide and Crisis Lifeline. These tools are not a substitute for that.
Free Calculators and Tools
Free Tools When the Math Has to Do the Talking
For the planning decisions a calculator handles better than a checklist ever could. The tools below are free, no signup, and built by Memorial Merits to give you honest math when the numbers matter most to your loved ones.
Planning Calculator
Funeral Cost Calculator
Find what a funeral really costs in your state, and stop overpaying before you sign anything.
Get an itemized funeral estimate adjusted for your state, plus vetted products and services for a fraction of funeral home prices, discount links, financing options, and a printable plan with QR codes. Connected straight to our verified funeral home directory. Free, no signup.
Probate Calculator
Probate Cost Calculator
See what probate costs in your state, and whether your family has to go through it at all.
Probate commonly takes 3 to 7 percent of an estate before anyone inherits, and California can reach $46,000 on a $1,000,000 estate. Answer four questions and get your state’s probate attorney fee, executor fee, and court filing fee with the statute cited under each number, plus whether your estate qualifies for a small estate affidavit and can skip probate entirely. All 51 US jurisdictions, printable PDF with QR codes. Free, no signup.
Probate Tool
Probate Document Finder
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Find out if an estate needs probate in your state, and which documents your family needs.
Pick the state, answer up to seven questions about the estate, and get the list of documents you need in the order you need them. Each document says why it is on your list and cites the state law behind it. Covers all 50 states and Washington, DC, including each state’s small estate limit and waiting period. Print the list, save it, or email it to yourself. Free, no signup. Also free to add to your own website.
Estate Planning Tool
Estate Readiness Tool
As featured in 
Find out whether you need a will or a living trust, and what doing nothing would cost your family.
Answer up to 25 plain questions and get a full readiness report: a readiness score, every part of your plan checked, and each gap named with the fix. It shows whether you need a will or a living trust, what probate would cost in your state, your life insurance need in dollars, funeral costs, online accounts and the other legal forms your state requires. Download the PDF or email it to yourself. Free, no signup. Also free to add to your own website.
Planning Calculator
Cremation Savings Calculator
Lock in today’s cremation price before it climbs again.
See what you save by locking in today’s pricing against years of rising costs, using verified pricing and conservative inflation instead of guesses. Free, no signup.
Estate Calculator
Inherited Annuity Tax Calculator
See the federal tax on each way to take an inherited annuity, and the deadline that applies to you.
Enter the annuity value and your income to see the taxable amount and the federal tax on a lump sum, a 5-year payout, a 10-year payout or lifetime payments, using 2026 IRS tax brackets. Get your deadline dates and a printable Report and Call Sheet. Free, no signup.
Memorial Tool
Memorial Cipher
Design a coded memorial tattoo, or a QR tattoo that scans to a loved one’s story, and take it straight to your artist.
Turn any date, name, or message into Roman numerals, Morse code, binary, a barcode, or a scannable QR code, for tattoos, engravings, monuments, and keepsakes. Accurate, downloadable, and free, with member discounts on cremation tattoo ink and QR memorials.
Resource Finder
Help Finder
Find the right help for planning ahead, a recent death, grief or settling an estate, in two taps.
Choose one of five situations and one of 24 needs, and get the Memorial Merits page that answers it, the free tools and vetted services behind it, and a free printable PDF guide for your situation: an end of life planning checklist, a funeral arrangements checklist, a grief workbook, a probate checklist, or a guide to what to say to someone who is grieving. Free, no signup. Also free to add to your own website.
New tools land in this section as they go live.
Add Free Memorial Merits Tools to Your Website
Planning calculator
Funeral Cost Calculator: Free Install for Your Website
Your visitors answer 6 quick questions and get an itemized funeral cost estimate for their state, compare a funeral home quote to the state average, and print or email their plan.
- Pick a color and copy the code with the button below.
- WordPress: add a Custom HTML block and paste. Squarespace or Wix: add an Embed or Code block and paste.
- Publish. The tool appears where you pasted the code.
Choose a color:
<div class="mm-funeral-lite" data-ref="tools-page">Funeral Cost Calculator by <a href="https://memorialmerits.com/funeral-cost-calculator/">Memorial Merits</a></div>
<script src="https://memorialmerits.com/api/tools/funeral-lite.js" async></script>Free to use. Keep the Memorial Merits link in the code, or the tool will not run.
Probate calculator
Probate Cost Calculator: Free Install for Your Website
Your visitors pick their state, answer a few questions, and see what probate would cost, with the attorney fee, executor fee and court filing fee listed one by one. They can email the report to themselves.
- Pick a color and copy the code with the button below.
- WordPress: add a Custom HTML block and paste. Squarespace or Wix: add an Embed or Code block and paste.
- Publish. The tool appears where you pasted the code.
Choose a color:
<div class="mm-probate-cost-lite" data-ref="tools-page">Probate Cost Calculator by <a href="https://memorialmerits.com/how-much-does-probate-cost/">Memorial Merits</a></div>
<script src="https://memorialmerits.com/api/tools/probate-cost-lite.js" async></script>Free to use. Keep the Memorial Merits link in the code, or the tool will not run.
Probate tool
Probate Document Finder: Free Install for Your Website
Your visitors pick their state, answer a few questions, and get the probate documents their estate needs, with the state law cited. The data updates itself when state law changes.
As featured in
- Pick a color and copy the code with the button below.
- WordPress: add a Custom HTML block and paste. Squarespace or Wix: add an Embed or Code block and paste.
- Publish. The tool appears where you pasted the code.
Choose a color:
<div class="mm-probate-lite"><a href="https://memorialmerits.com/when-is-probate-required/">Probate Document Finder by Memorial Merits</a></div>
<script src="https://memorialmerits.com/api/tools/probate-lite.js" async></script>Free to use. Keep the Memorial Merits link in the code, or the tool will not run.
Estate planning tool
Estate Readiness Tool: Free Install for Your Website
Your visitors answer up to 9 quick questions, see whether a will or a living trust fits their situation, and can email the result to themselves.
As featured in
- Pick a color and copy the code with the button below.
- WordPress: add a Custom HTML block and paste. Squarespace or Wix: add an Embed or Code block and paste.
- Publish. The tool appears where you pasted the code.
Choose a color:
<div class="mm-estate-lite"><a href="https://memorialmerits.com/estate-planning-tool-2/">Estate Readiness Tool by Memorial Merits</a></div>
<script src="https://memorialmerits.com/api/tools/estate-lite.js" async></script>Free to use. Keep the Memorial Merits link in the code, or the tool will not run.
Inherited annuity calculator
Inherited Annuity Tax Calculator: Free Install for Your Website
Your visitors enter the annuity value and their income, see the federal income tax on each payout choice, get the deadline date that applies to them, and can email themselves a report and call sheet.
- Pick a color and copy the code with the button below.
- WordPress: add a Custom HTML block and paste. Squarespace or Wix: add an Embed or Code block and paste.
- Publish. The tool appears where you pasted the code.
Choose a color:
<div class="mm-annuity-lite" data-ref="tools-page"><a href="https://memorialmerits.com/inherited-annuity-tax-calculator/">Inherited Annuity Tax Calculator by Memorial Merits</a></div>
<script src="https://memorialmerits.com/api/tools/annuity-lite.js" async></script>Free to use. Keep the Memorial Merits link in the code, or the tool will not run.
Help and resource finder
Help Finder: Free Install for Your Website
Your visitors choose their situation and their need in two taps, and get the Memorial Merits page that answers it, plus a free PDF guide for their situation.
- Gives your visitors free PDF guides and worksheets on every topicA printable guide for each situation: end of life planning, funeral arrangements, grief, probate, and what to say to someone who is grieving.
- Connects your readers to hundreds of vetted resourcesFuneral homes and cemeteries in every state, will and trust services, grief counseling, probate forms and free cost calculators.
- Answers the questions families ask, right on your siteFive situations and 24 needs, from planning ahead to the first days after a death.
- Pick a color and copy the code with the button below.
- WordPress: add a Custom HTML block and paste. Squarespace or Wix: add an Embed or Code block and paste.
- Publish. The tool appears where you pasted the code.
Choose a color:
<div class="mm-help-lite" data-ref="tools-page">Help Finder by <a href="https://memorialmerits.com/start/">Memorial Merits</a></div>
<script src="https://memorialmerits.com/api/tools/help-lite.js" async></script>Free to use. Keep the Memorial Merits link in the code, or the tool will not run.
Solace by Memorial Merits
Scan to install the app Featured · Free AI Companion
Meet Solace
Not a chatbot. Not a search engine. Never trying to sell you anything.
Solace is Memorial Merits’ free AI grief companion, available 24/7 on every page of this site. She was built for the moments when you need patient, compassionate guidance and nobody is awake, or you are not ready to talk to a person yet. She can help you process grief, plan a funeral, navigate estate decisions, write an obituary, journal through your feelings, or simply sit with you when everything feels heavy.
Created by someone who lost his father and wished something like her had existed during the worst days of his life. She has been helping visitors ever since.
Free Grief Comfort Audio: Binaural Beats for a Racing Mind
Three short theta-wave tracks built to settle your nervous system when grief makes it hard to sleep, focus, or even breathe. Each one is free to download, runs about two minutes, and loops for as long as you need it. Use headphones for the full effect.
Calming Audio
Grief Comfort Binaural Beats (Silent Focus)
A pure theta-wave binaural track with no words and no distractions. Just healing frequencies designed to gently ground and soothe your nervous system. Two minutes, stereo. Best with headphones.
Calming Audio
Grief Comfort with Ocean Waves
Theta-wave binaural tones blended with soft, rhythmic ocean wave sounds. Designed for calming presence, reflection, or sleep support. Two minutes, stereo.
Calming Audio
Grief Comfort with Rainfall
A gentle rain soundscape layered over theta binaural tones. Works well for easing anxiety or listening while journaling. Two minutes, stereo.
When You’re Ready for More Than Sound
These tools can help in the moment, but grief doesn’t live in moments. If you’re carrying more than you can hold on your own, talking to someone who understands can change everything. These are licensed, vetted therapists available online, on your schedule.
Explore Grief Counseling OptionsFree Tools Frequently Asked Questions
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