Most digital estate tools were built to store documents. None of them were built to pass on passwords and crypto — the accounts your family actually can't access.
Passwords. Crypto seed phrases. Financial logins. These are the digital assets that go dark when someone dies — and none of the major players in this space solve for them directly. Prisidio organizes your documents beautifully. Trustworthy is a feature-rich family operating system. Everplans guides you through estate planning checklists. But when it comes to the specific problem of securely storing and transferring your passwords, crypto wallets, and financial logins to your family — there's a gap. This page breaks down exactly what each tool does, what it doesn't, and who it's actually built for.
| Feature | Clarmont | Prisidio | Trustworthy | Everplans |
|---|---|---|---|---|
| Pricing model | One-time ($59 / $119) | Subscription ($150/yr direct) | Subscription ($10–$40/month) | Subscription ($99.99/yr) |
| No recurring fees | ✓ Pay once, forever | ✗ Annual renewal | ✗ Monthly or annual | ✗ Annual renewal |
| Dedicated password vault | ✓ Built-in, AES-256-GCM | ✗ Document storage only | ~ General vault (not dedicated) | ✗ No credential storage |
| Dedicated crypto vault | ✓ Seed phrases, keys, exchanges | ✗ Not supported | ✗ Not supported | ✗ Not supported |
| Beneficiary access workflow | ✓ Per-section grants, admin-reviewed | ~ Event-based triggers | ✓ Granular permission levels | ~ Deputy system, manual sharing |
| Death verification process | ✓ Documentation + admin review | ~ Event-based automatic trigger | ~ No stated verification process | ~ Deputies unlock manually |
| Encrypted storage included | ✓ 2 GB / 10 GB | ✓ Unlimited (paid tiers) | ✓ 20 GB–1 TB | ~ Not specified |
| One-time payment option | ✓ Yes | ✗ No | ✗ No | ✗ No |
| Consumer focus | ✓ Individuals & families | ~ Seniors / AARP-distributed | ✓ Families, also advisory | ~ Heavy employer/advisor distribution |
| Mobile app | Web-based vault | ✓ iOS + Android | ✓ iOS + Android | ✓ iOS app |
Pricing verified May 2026. Check each provider's current website for up-to-date rates: Trustworthy · Prisidio · Everplans
Prisidio is the most polished document vault in this category. It's mobile-first, genuinely easy to use, and has earned serious distribution through its AARP partnership — which means it's reaching millions of older adults who genuinely need this kind of planning tool. The interface is clean. The event-based access triggers are well-implemented. If your primary concern is organizing wills, insurance policies, property deeds, and physical asset inventories, Prisidio is a solid choice.
Its physical asset inventory feature — tracking the location, value, and warranty status of household items — is a differentiator no other tool in this space offers.
Prisidio doesn't touch passwords or crypto. There's no credential storage, no mechanism for passing on login information to your family, and no support for seed phrases or hardware wallet details. That's a deliberate focus. Prisidio is built for documents, not digital credentials. But for most families in 2026, the accounts that are hardest to access after someone dies aren't the ones with paper trails — they're the bank login with a 2FA code no one else has, the Coinbase account with a seed phrase only one person knew.
Prisidio is also subscription-only at $150/yr direct-to-consumer. Over ten years, that's $1,500 for a service you'd hope never needs to be used urgently. Clarmont is a one-time payment.
If you're looking to pass on crypto wallets specifically, Prisidio isn't the tool — it was built for documents, not digital credentials. See: How to Pass On Crypto Wallets to Your Family →
If you're primarily organizing traditional estate documents, are already an AARP member, want a native mobile app, and don't have significant digital credentials to pass on — Prisidio is worth considering.
If you have passwords, financial logins, crypto wallets, or subscription accounts that your family couldn't access without you — Clarmont was built for exactly that. The password vault and crypto section are purpose-built for this problem, not retrofitted from a document organizer.
Trustworthy is the most feature-rich tool in the digital estate category. It markets itself as a "Family Operating System" — and that's accurate. Beyond document storage, it offers AI-powered household automation, email inbox integrations, intelligent reminders, and up to 1TB of storage at the Platinum tier. The concierge service gives you access to a human expert for onboarding and organization. Its granular permission levels (view, edit, approve, legacy access) are genuinely good, and multi-tier family member support scales well for complex families.
Trustworthy stores passwords as part of a general vault — not a dedicated system with purpose-built UX. There's no support for cryptocurrency: no seed phrase storage, no hardware wallet fields, no exchange account categories. If you hold Bitcoin, Ethereum, or any other crypto assets, Trustworthy doesn't have a structured way to pass those on.
The pricing is the biggest friction point. To get the features most families need — granular permissions, more storage, more family members — you're looking at Gold ($20/month, $240/yr) or Platinum ($40/month, $480/yr). That's $240–$480 per year, every year, for access to a vault you hope your family never needs urgently. Clarmont is a one-time $59 or $119 purchase.
Most people's biggest digital estate gap isn't documents — it's the accounts their family literally can't access. Read: Why a Password Manager Isn't Enough for Your Family →
If you want the most comprehensive family information platform available, are comfortable with a $20–$40/month subscription, have complex household management needs, and don't hold significant crypto assets — Trustworthy is the most capable product in this space.
If you want a focused solution for digital asset inheritance — passwords, crypto, financial logins — with a one-time payment and no ongoing subscription commitment, Clarmont is the simpler, more direct answer.
Everplans has been around since 2012 and is one of the most established names in this space. It does one thing well: guiding non-technical users through organizing estate documents in a structured, checklist-driven way. The workbook-style onboarding is genuinely accessible — you don't need to know what "seed phrase" means to use it. The $99.99/yr price point is the most affordable among subscription competitors, and the deputy system is straightforward to set up.
Everplans has strong employer and advisor distribution — many people encounter it as a workplace benefit or through their financial advisor, which means it benefits from institutional trust.
Everplans is fundamentally a document organizer with a deputy access layer on top. It doesn't have dedicated password storage. It doesn't support crypto. Its access model relies on manual sharing — deputies need to know the account exists and have current login credentials. If they don't, the vault doesn't automatically find them.
Everplans was also acquired by National Guardian Life Insurance in 2021. Its roadmap now serves institutional distribution rather than individual consumer needs.
Your will doesn't automatically cover digital assets. Read: Digital Assets Your Will Doesn't Cover →
If you're new to estate planning, want a guided process, primarily need to organize traditional legal documents, and may encounter it through an employer or financial advisor — Everplans is a solid, accessible starting point.
If you have passwords, crypto, and financial accounts that need to be accessible to your family — Clarmont is the tool built for that specific problem. Dedicated vault sections, granular beneficiary access grants, and death-triggered workflows with documented request review — not just a deputy button.
The right tool depends on what you're protecting and how you want to pay for it.
No subscriptions. No renewal reminders. Clarmont is a one-time payment for lifetime access — Standard at $59, Premier at $119. If something happens to you tomorrow, your family should be able to access every account, password, and crypto wallet you own.