Where there's a will, there's a way, the cliché goes. But an alternate saying might be: where there's a will, there's an old person. Forgive our momentary glibness - it serves to make a point. Namely, that you don't have to be pushing retirement to be thinking about a will, as any good financial advisor will tell you.

The sensible thing to do is have one drawn up early in life. Otherwise, should the unthinkable happen, without a valid document your worldly goods may not default to your family. Instead, the law may decide what happens to them. Of course, getting a solicitor to draw up a will costs money, which is where GSP has spotted the gap in the PC market for a low-cost, DIY, desktop will maker.

Before we go any further, we should point out that wills produced with this program are only valid in England and Wales. Also, this standard version is only suitable for those whose estate doesn't exceed the £285,000 inheritance tax threshold. If you have to deal with tax issues, you'll need to buy Will Maker Deluxe (which is £25 inc. VAT).

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Will Maker leads you through the creation process step-by-step. First of all, a section of questions must be answered to determine what sort of will you require. That established, the program moves on to step two, the Will Planner, which is a fairly lengthy PDF document. This covers the sort of information you're going to have to work out in advance of producing the actual document, such as determining the value of your estate (which is broken down on a simple table). Other considerations such as appointing executors, and whether or not to leave gifts to people, are also discussed.

The final step fires up "Rapidocs", the program which is actually used to write your will. This is split into two main windows: your will is displayed on the left, and a series of mostly multiple choice questions on the right. As you click your answers, the program automatically enters the information into the relevant sections of the will document.

Helpful notes pop up, explaining exactly what certain terms used in the questions mean, such as the difference between a property owned by "joint tenants" and "tenants in common". Sources of further information are provided for those who get stuck on particular issues, such as the phone number for the Land Registry which can advise you on property ownership matters.

Generally the pop-up notes are concise and useful, although occasionally they overdo the brevity. For example, the explanation of residuary beneficiaries could use further clarification. More detailed companion notes are provided on a separate tab, so the information is there, you just have to hunt a little to locate it.

Overall it's not a lengthy process at all, and once you've finished the software offers you the option of storing the will in secure archives for an annual fee. You can also purchase an online legal review of your document, if you want to ensure you haven't made any mistakes within the process, but most people probably won't require either of these options.

And that's all there is to it. Will Maker then produces a copy of your will, which you can print out, get signed and witnessed, then store somewhere safe. This is certainly a good, budget-priced solution for people with only basic will requirements. But bear in mind that if you need to deal with more complex issues like inheritance tax, you should purchase the Deluxe version.

This is an effective, budget-priced will making tool, which does the job but with no frills. There are extra services on offer, such as secure will storage or a full legal review of your will, but you do have to pay for these (although that isn't an unreasonable expectation for a £10 program).