I would like to make my end-of-life arrangements, but I want to keep things simple and affordable. What are my options?

Planning ahead can save your loved ones a lot of stress and money. With a traditional burial averaging around $10,000 and a full-service cremation near $6,500, it is easy to see why many are looking for simpler, lower-cost alternatives. The good news is that there are plenty of options that are dignified, straightforward and much more affordable. Here is a look at some choices, depending on the kind of farewell you want.

Direct cremation

If cremation appeals to you, direct cremation is the simplest and least expensive option. It includes picking up your body, completing the required paperwork, the cremation procedure and returning your ashes to your family. There is no embalming, formal viewing or casket. In addition, a simple cardboard box called an “alternative container” is used to hold the remains.

Depending on where you live and which provider you choose, direct cremation typically costs between $700 to $3,500. If you want additional goods or services, funeral homes will provide you with an itemized price list so that you know exactly what you are paying for.

Immediate or direct burial

If a burial is your preference, an immediate or direct burial is the most basic option. The body is buried in a simple container soon after death, without embalming, viewings or the use of funeral facilities. Families can still hold a memorial service at the graveside, at home or at a place of worship without the body present.

These services usually run $2,000 to $3,000, not counting cemetery fees, which can add $1,000 to $3,000. Every funeral home offers a direct burial option.

To find local providers, you can search online for “cremation” or “funeral” along with your city and state. You can also find websites online to research services, compare prices and choose a funeral home. Another approach is to use artificial intelligence (AI) tools like ChatGPT or Gemini by prompting it to list nearby funeral homes or cremation providers, review which services they offer, check estimated costs and compare options side by side. This is a quick way to get a snapshot of what is available without making several phone calls.

Green burial

For environmentally minded individuals, a green burial is a simple, natural option. The body is buried in a biodegradable coffin or shroud, without embalming chemicals or a vault. Not including the professional service fees, the costs for a green burial typically range from $500 to $5,000. The Green Burial Council (greenburialcouncil.org, 888-966-3330) maintains a state-by-state directory of cemeteries and funeral professionals who offer these services.

Water cremation

Another eco-friendly option is water cremation (or alkaline hydrolysis) which uses water, chemicals and heat instead of fire. Costs usually range from $2,000 to $4,500, and it is legal in more than 25 states. Search online “alkaline hydrolysis” to find a provider near you.

Donate your body

You may also consider donating your body to science. Medical schools use donated bodies for teaching and research, then return the cremated remains to your family or bury them in a local cemetery. There is usually no cost for this option although some schools may charge a small transport fee.

To find a program in your state, check the University of Florida’s U.S. program directory at Anatbd.acb.med.ufl.edu/usprograms, or call the whole-body donation referral service at 800-727-0700.

Planning ahead gives you control, saves your family money and ensures your final wishes are honored. With these options, you can choose a farewell that is simple, meaningful and within your budget – and doing a little homework now makes it easier for everyone later.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.