Client-side encrypted vault

If Something Happened Today,
Could They Keep Going?

Your partner needs to pay the bills. Your friend is in hospital and someone needs to feed his cats. You're traveling and your family needs the WiFi code. The information exists — but no one can find it.

Fern & Echo is where you document your digital life — accounts, access codes, instructions — so the people who depend on you can step in when you're not available. Whatever the reason. Whenever it happens.

Start documenting → Sign in

Free to start · No credit card required · Cancel anytime

Not ready to sign up? Try the demo vault →

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 a continuity contact before you need one.

The Problem

Access Is the Hard Part

Most people assume someone will figure it out. They won't. Getting through 2FA, finding the right accounts, knowing what to cancel and what to keep — that requires information that lives only in your head.

It doesn't take a catastrophe. A hospital stay, a long trip, a sudden accident. The moment you're unavailable, the people around you hit a wall.

Most plans fail here — not from lack of caring, but lack of access.

✕ 2FA codes go nowhere. Authentication tied to your phone locks everyone out the moment they can't reach you — and recovery processes are slow, inconsistent, and painful.
✕ No one knows what exists. Subscriptions keep billing. Brokerage accounts sit dormant. Insurance policies expire. Nobody knows to look — because you never wrote it down.
✕ Password managers lack context. Credentials without instructions don't tell anyone what to pay, what to cancel, or what to do when they 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 you're not around to ask.

How It Works

Document Once. Ready Whenever.

01

Build Your Vault

Document what exists, how it's secured, and how to get through it. Accounts, 2FA methods, recovery paths, insurance, financials, home access — the full picture. Everything encrypted in your browser before it ever leaves your device.

02

Add a Continuity Contact

Give a trusted person access — a partner, sibling, attorney, or close friend. They see exactly what you grant them, nothing more. Operational assistance for everyday emergencies, or full access for larger situations. You control both. You can revoke either.

03

Export Anytime

Generate a self-contained Emergency Access Guide — a complete document your contact can open without any app, any login, any internet connection. Print it. Store it. It works without us.

Real Situations

The vault earns its keep before anything serious happens.

Travel & house sitters
Share the WiFi code, alarm instructions, utility contacts, and vet number before you leave. No group chat thread required.
Medical emergencies
Your partner needs to pay the mortgage, access your health insurance, and reach your employer. They can — because you documented it.
Helping a friend
Bobby's in hospital. Someone needs the code to feed his cats, reach his landlord, and cancel his gym. That's a vault entry, not a crisis.
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.
Organised by section
Financial, insurance, medical, utilities, subscriptions, network — everything in the right place so the right person finds it without guessing.
Export anytime
HTML, Markdown, CSV, JSON, or a self-contained Emergency Access Guide. Your data is always yours. No lock-in, no ransom, no app required to open it.

Features

Everything you need. Nothing you don't.

11 section types
Account, financial, insurance, medical, legal, property, technology, network, web, subscriptions, and other. Everything has a place.
Two levels of access
Level 1 shares your vault with a trusted person — revocable anytime. Level 2 designates a continuity contact with a 5-day confirmation window before access releases.
Vault instructions
Write plain-language notes for your contacts — what to do first, what to cancel, who to call. Context that credentials alone can't provide.
Mobile document scanning
Scan physical documents from your phone using the built-in OCR tool. Insurance cards, policy documents, ID — encrypted and attached to the right entry.
Account dependency map
Link entries that depend on each other — 2FA apps, billing accounts, recovery paths. Visualise the chain so nothing gets missed.
Vault readiness score
A personal index showing how complete your vault is — section coverage, executor set, instructions present, review recency. Not gamified. Just honest.
2FA documentation
Record which 2FA method each account uses — TOTP, SMS, hardware key, backup codes. So your contact isn't locked out of the lock.
Import from password managers
Import account titles and URLs from 1Password CSV exports. No passwords imported — just the structure, so you can add context without starting from scratch.
Section templates
Pre-built templates for common vault setups — banking, insurance, home network. Start with a structure instead of a blank page.

About

Why This Exists

Most people know they should have a plan. Almost no one has actually written down how to get through their digital life — and that's where the people around them get stuck.

Fern & Echo is not a password manager. Not a will. It's a system for documenting access — credentials, context, instructions, recovery paths. The information that only exists in your head, put somewhere the right people can reach it.

We built it client-side encrypted because this information belongs to your people — not us.

The consequence of client-side encryption 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.

Pricing

Simple, honest pricing

Start with a 14-day free trial — no credit card required.

14 days free · then $30/year
Annual
$30
per year · billed annually · 14-day free trial
  • ✓ 14-day free trial — no credit card required
  • ✓ Unlimited vault sections
  • ✓ Unlimited entries
  • ✓ Unlimited exports
  • ✓ Unlimited vault sharing
  • ✓ Continuity contact designation
  • ✓ Vault instructions for your contacts
  • ✓ Client-side AES-256-GCM encryption
  • ✓ No ads, no tracking, no upsells
Start free trial →

Cancel anytime · After trial, vaults go read-only — your data is never deleted

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 $3.00/mo. Zero-knowledge encryption means you never see client data.
View partner pricing →

Get Started

Ten Minutes Now.
Ready Whenever.

You don't need everything documented today. Start with the accounts that matter most — the bills, the banking, the things someone would need if they had to step in for you tomorrow.

Create your vault → Sign in

Free to start · No credit card required · Cancel anytime