How much does an inheritance advance cost? Understanding the fees
One of the first questions people ask about an inheritance advance is: what will it actually cost me? It is a fair question, and the honest answer is that it depends on three things — how much you advance, the length of time before the estate settles, and the fees that apply.
This article explains exactly how Inherita's costs work, walks through a real example, and shows you how to calculate your own estimate before you apply.
How Inherita's fees work
There are two cost components to an Inherita advance:
- Establishment fee. A one-off fee charged when the advance is set up. This is a percentage of the advance amount.
- Monthly rate. Interest accrues on the advance amount for the duration of the term — from the date funds are received until the estate repays Inherita.
Both the establishment fee and the accrued interest are repaid at the end — from the estate, at settlement. You make no payments during the term of the advance.
A worked example
Here is how the costs might look for a typical advance:
| Expected inheritance entitlement | $300,000 |
| Advance amount (25% of entitlement) | $75,000 |
| Establishment fee (2%) | $1,500 |
| Monthly rate (1.5% × 6 months) | $6,750 |
| Total repaid from estate | $83,250 |
| Remaining inheritance received | $216,750 |
In this example, a $75,000 advance over 6 months costs $8,250 in total fees and interest. The beneficiary receives $75,000 now and $216,750 at settlement — a total of $291,750 from a $300,000 entitlement.
Want to see your own numbers? Use the Inherita estimator to enter your expected inheritance amount and advance percentage and get an instant breakdown.
Is the cost worth it?
This is a personal decision — and it depends on your circumstances. The right question isn't just 'how much will this cost?' but 'what is the cost of waiting?'
If you have an opportunity that can't wait, or urgent living expenses, or are under financial pressure during the administration period, the cost of an inheritance advance may be significantly less than the cost of the alternatives such as credit card debt, personal loans, or selling other assets.
The advance is not free, and the cost is real. But for many beneficiaries, accessing funds now, at a known, transparent cost, is considerably better than the uncertainty and hardship of waiting.
Frequently asked questions about cost
Is there a minimum advance amount?
Yes. The minimum advance is $30,000. Speak to the Inherita team if you are unsure whether your situation qualifies.
What if the estate takes longer than expected?
Interest accrues for the actual duration of the advance, not an estimated duration. If the estate takes 12 months instead of 6, the interest cost doubles. However, your total repayment is always capped at your inheritance entitlement — you cannot owe more than you receive.
Are there any other fees?
No hidden fees. The establishment fee and the monthly rate are the only cost components. The estimate tool shows the full cost breakdown before you apply.
See your exact cost in seconds. Our estimator shows the full breakdown — advance amount, fees, and your remaining inheritance — before you apply. No commitment required.
Try the estimator →