Client-side encrypted vault

Don't Leave Them
Locked Out.

When something happens to you, the people you leave behind face an impossible task — finding every account, getting past 2FA, and knowing what to do next. Most never figure it out.

Fern & Echo is how you prevent that. Document your digital life now. Give your executor a clear path through it later. If you don't — nobody gets in. Not your family. Not us.

Free to start · No credit card required · Cancel anytime

AES-256-GCM Client-side encryption
Zero Data we can access
No recovery We cannot reset your vault
Works offline Emergency export needs no app

Fern & Echo has no backdoor. If you lose your vault password and haven't shared access, no one — including us — can recover your data. Set up executor access before you need it.

Access Is The Hard Part

Families don't just need to know what accounts exist. They need a way through login, 2FA, and recovery — for every account, at the worst possible time.

No one thinks about this until they're standing at a login screen for an account that belonged to someone who just died. By then, it's too late to document anything.

This is where most plans fail.

SMS codes go nowhere. 2FA tied to a canceled phone number locks out access permanently — and most account recovery processes require the original number.
No one knows what exists. Subscriptions keep billing. Brokerage accounts sit dormant. Insurance policies expire unclaimed. Nobody knows to look.
Password managers lack context. Credentials without instructions don't tell you what to cancel, what to transfer, or what to do when you can't log in at all.
No recovery path documented. Support lines, policy numbers, account references — none of it written down where anyone can find it when it matters.

Document Once. Ready When It Matters.

01

Build Your Vault

Document what exists, how it's secured, and how to get through it. Accounts, 2FA methods, recovery paths, insurance policies, financial records — the full picture.

02

Designate An Executor

Give a trusted person read-only access to a structured guide — not raw credentials. They see what to do, in what order, with the context to actually do it.

03

Export Anytime

Generate a self-contained Emergency Access Guide — a complete document your executor can open without any app, any login, any internet connection.

Everything an executor needs. Nothing they don't.

Client-side encryption
Your vault password never leaves your browser. Everything is encrypted locally — only you and whoever you share with can ever read it.
client-side encrypted server
We store only ciphertext. Without your vault password — which we never see — nothing stored here is readable by anyone, including us.
Secure vault sharing
Share access with a family member, attorney, or executor. They see exactly what you grant them. You can revoke access at any time.
Organised entries
Document accounts, financial records, insurance policies, subscriptions, and more — organised so the right people can find the right things.
Export anytime
Your data is always yours to export. HTML, Markdown, CSV, JSON, or a self-contained Emergency Access Guide. No lock-in, no ransom.
Executor resource library
Step-by-step guides for common executor tasks — notifying banks, transferring accounts, canceling subscriptions, filing final returns.

Why This Exists

Most people know they should have a will. Almost no one has a plan for their digital life — and the digital life is where families get stuck.

Fern & Echo is a proactive vault. Not a password manager. Not a will. A system for documenting access — not just storing information. Credentials without context leave families guessing. Fern & Echo provides the context.

We built it client-side encrypted because the people who need this information are your executor and your family — not us.

The consequence of client-side encrypted is real: if you don't document and share access before something happens, no one will be able to get in — including you, if you lose your password. This isn't a limitation. It's the point.

We Cannot See Your Data

Encryption happens in your browser. The server receives ciphertext only. This isn't a privacy policy — it's how the architecture works. We have no backdoor.

Everything You Put In Comes Out

Full exports in HTML, Markdown, CSV, and JSON. No partial data. No paywalled exports. Your information is yours unconditionally — even if you cancel.

The Vault Is An Index, Not A Safe

We don't replace your password manager. We document where things are, how to access them, and what to do. Context is what's missing from every other solution.

Pricing Never Decreases Without Notice

If pricing ever changes, it will be communicated publicly and in advance. No silent changes. No bait and switch.

Simple, honest pricing

No surprise charges. No data held hostage. No credit card to start.

Limited
Free
$0
forever

  • 5 vault sections
  • 3 entries per section
  • 1 export per month
  • 1 vault share per month
  • Vault instructions for your executor
  • Client-side AES-256-GCM encryption
  • No ads, no tracking, no upsells

 

Best value · save 17%
Annual
$50
per year · billed annually

  • Unlimited vault sections
  • Unlimited entries
  • Unlimited exports
  • Unlimited vault sharing
  • Vault instructions for your executor
  • Client-side AES-256-GCM encryption
  • No ads, no tracking, no upsells

Cancel anytime

For Businesses
Offer Fern & Echo to your clients
Estate attorneys, financial advisors, funeral homes, and elder care providers — offer a white-labeled vault under your brand. Per-seat from $2.50/mo. Zero-knowledge encryption means you never see client data.
View partner pricing →

Don't Leave This
For Later.

Ten minutes now prevents weeks of confusion later. You don't need everything documented today. You just need to start — before the people you care about are the ones who can't get in.

Free to start · No credit card required · Cancel anytime