Debts in an inheritance
Calculator for an heir’s liability for debts
If an inheritance case is handled in Lviv or Lviv region, one heir’s property may include different assets with separate valuations. Enter the debt already confirmed, the established share, the total value of what that particular person actually received, and their payments. The result does not establish the debt; it is only a preliminary individual cap.

Upper limit for the particular heir
First allocate the debt using the share already established, then cap it at the value of property received by that person; confirmed payments reduce the balance.
The model calculates only one person and one confirmed claim. It does not establish inheritance shares, determine the creditor’s deadline, create joint and several liability, or carry over another person’s remaining debt.
Use the amount supported by the verified basis and calculation, taking payments into account. An amount in the creditor’s letter is not necessarily established.
Add the value of only the assets this person actually received. Do not use the value of the entire estate.
Include only payments attributable to this claim. If there are none, enter 0.
Preliminary cap
Demand not confirmedThe amount shows the largest arithmetic balance based on the entered data, not an automatic obligation to pay it to the creditor.
- Share of confirmed debt
- 450 000,00 UAH
- Value of property received
- 380 000,00 UAH
- Limit before deducting payments
- 380 000,00 UAH
- Already paid
- 80 000,00 UAH
Sequence: min(⌊900 000,00 UAH × 50%⌋, 380 000,00 UAH) − 80 000,00 UAH = 300 000,00 UAH
Kopeck rounding rule: The product of the debt and share is always reduced to whole kopecks. Entered amounts are retained without additional rounding.
Shared cap for creditors: The same value of property received does not become a new cap for each claim. If there are several creditors, their claims share one overall limit; this calculator does not determine priority or allocate it among them.
Before using: Check the transfer of the obligation itself, the creditor’s claim deadline, acceptance of the inheritance, the assets received, the valuation method, encumbrances, and all prior payments.
The brief summary is easy to paste into a message to a lawyer or save for yourself.
Two limits that must not be confused
Not every obligation of the deceased forms part of the estate. Obligations inseparably linked to the person may end, so first check the legal nature of the debt and only then the amount.
If the claim passes to an heir, two separate figures matter for that particular heir: the amount corresponding to their share and the value of the property they actually received. The final arithmetic cap is the lower of the two.
Calculation methodology
How the result is determined
One confirmed claim is recorded without automatically adding interest, penalties, or expenses.
The confirmed amount is multiplied by the specific heir’s established share percentage.
If the result includes a fraction of a kopiyka, it is reduced to the nearest whole kopiyka.
The resulting amount is compared with the total value of property actually transferred to this person; the lower amount applies.
Confirmed payments for this claim reduce the cap, and a negative result is replaced with zero.
Example
Example: apartment and land share with different valuations
An heir in Lviv has a confirmed 40% share in the inheritance. The debt shown in verified documents is UAH 720,000. This person actually received a share of an apartment and a land plot in Lviv region with a total confirmed value of UAH 260,000, and has already paid UAH 20,000.
- Confirmed debt: UAH 720,000
- Documented share: 40%
- Total value of assets actually received: UAH 260,000
- Confirmed payments: UAH 20,000
The share of the debt is UAH 288,000. Since the property received is valued at UAH 260,000, that becomes the upper limit; after payment, the estimated maximum balance is UAH 240,000.
If the valuation of even one asset is disputed, or there is a mortgage or other creditors, the result cannot be used separately from the complete list of assets, claims, and payments.
Documents to reconcile before calculation
- An initial debt document, court decision, or enforcement document and a detailed calculation of the claim.
- Inheritance case materials, the application to accept the inheritance, and this person’s certificate of inheritance.
- A document confirming the specific heir’s percentage share.
- Separate list of items actually received and proper documents showing their value.
- Written creditor demand with proof of dispatch date, addressee, and receipt.
- Proof of all payments by this person and the purpose of each payment.
Frequently asked questions
Does accepting an inheritance mean accepting any amount of debt?
No. First determine whether the specific obligation is part of the estate, whether the claim was properly made, and what individual amount corresponds to the share and value of the property received.
Why does the calculator not determine the heir’s share?
The share depends on the will, order of succession, acceptance, renunciations, compulsory shares, and possible disputes. A safe calculation requires a percentage already formalized or verified in documents.
How to account for several inherited assets
Enter the confirmed total value of property actually received by this particular heir. Do not include other people’s property; check disputed valuations and encumbrances separately.
What to do if there are two or more creditors?
Create one complete list of all claims and payments. The total value of property received is their shared cap, so the full limit cannot be applied again to each creditor.
Are heirs jointly and severally liable?
This calculator does not presume joint and several liability. It calculates only one person’s individual limit based on their share; any special grounds, security, or procedural consequences must be checked against the documents.
Where can I check the deadline for filing a claim?
The period is determined separately under Article 1281 of the Civil Code of Ukraine based on the certificate date or the creditor’s awareness. Use the dedicated calculator and keep evidence of the relevant events.
Resources for your situation
Calculations and checks
Guidance and instructions
Official sources
- Civil Code of UkraineArticles 608, 1218, 1219, 1231, 1268, 1281, and 1282 govern the estate, non-transferable obligations, acceptance, creditor claims, and each heir’s individual liability limits.
- The Ministry of Justice explains payment of the deceased’s debtsThe official Judiciary portal sets out the rule that each heir must perform the obligation individually in proportion to their share and within the value of the property received.
- Procedure for Notarial Acts by Notaries of UkraineChapter 10 of Section II sets out rules for inheritance proceedings, receipt of creditor claims, and notarial checks.
- Supreme Court position on succession after a debtor’s deathThe official review explains succession to a transferable debt and the liability limit based on the share and value of inherited property.
- Prepared
- The methodology was prepared by the website editorial team based on official sources.
- Important
- The tool shows only a preliminary upper limit. It does not confirm the debt or replace review of the probate case, creditor’s claim, and property valuation.
Current as of . The calculation is preliminary and depends on the documents and circumstances.
Free initial consultation
Is there uncertainty about the composition of the debt or the value of the property?
For a case in Lviv or Lviv Region, provide the basis of the claim, inheritance certificate, list of assets actually received, separate valuations, and payments. A lawyer will check where the arithmetic limit ends and a dispute about documents begins.
- the calculator result can serve as a reference for a conversation
- documents, deadlines, or contract terms may change the conclusion
- briefly describe the circumstances in the form if needed