Feature-by-feature breakdown vs Clocr, GoodTrust, Trust & Will, Everplans, and Trustworthy. The market intelligence for winning the privacy-first digital legacy space.
Five players in the digital estate planning and legacy vault space — cloud-first incumbents that treat your most sensitive data as a recurring revenue line, and where Hearmory wins with on-device privacy.
Every Hearmory feature is labeled FREE (one-time $9.99) or SYNC ($1.99/mo iCloud add-on).
| Feature | Hearmory | Clocr | GoodTrust | Everplans | Trustworthy |
|---|---|---|---|---|---|
| Encrypted password storage | ✅ CORE — on-device CryptoKit | ⚠️ Cloud only | ❌ Not a password vault | ❌ Not a password vault | ⚠️ Cloud + AI scan |
| Account database (username, 2FA, recovery email) | ✅ CORE — full account record | ⚠️ Limited account fields | ⚠️ Account listing only | ⚠️ Basic fields | ⚠️ Document-centric |
| On-device encryption (no cloud required) | ✅ CORE — offline first | ❌ Cloud-dependent | ❌ Cloud-dependent | ❌ Cloud-dependent | ❌ Cloud-dependent |
| Crypto wallet / seed phrase storage | ✅ CORE — encrypted notes field | ⚠️ Partially supported | ❌ Not supported | ❌ Not supported | ⚠️ Manual note entry only |
| Biometric lock (Face ID / Touch ID) | ✅ CORE | ✅ Yes | ✅ Yes | ⚠️ Web only | ✅ Yes |
| Offline access (no internet needed) | ✅ CORE — fully offline | ❌ Requires connection | ❌ Requires connection | ❌ Requires connection | ❌ Requires connection |
| Feature | Hearmory | Clocr | GoodTrust | Trust & Will | Everplans |
|---|---|---|---|---|---|
| Beneficiary designation per account | ✅ CORE | ✅ Up to 5 free | ✅ Yes (family plan) | ⚠️ Document-based only | ✅ Yes |
| Inheritance instructions (written letter / note) | ✅ CORE | ✅ Memories & Stories | ✅ Yes | ⚠️ Legal docs only | ✅ Yes |
| AirDrop / offline beneficiary transfer (no cloud) | ✅ CORE — unique differentiator | ❌ Not available | ❌ Not available | ❌ Not available | ❌ Not available |
| Dead man's switch / inactivity alert | ✅ CORE — HealthKit integration | ⚠️ Manual check-ins only | ❌ Not available | ❌ Not available | ❌ Not available |
| Legal document storage (wills, trusts) | ⚠️ Notes / PDF upload planned | ✅ Unlimited Wills & Directives (free) | ✅ Core offering (Estate+) | ✅ Core offering ($199–$599) | ✅ Structured templates |
| Secure passphrase-based emergency access | ✅ CORE — no cloud middleman | ⚠️ Requires Clocr account | ⚠️ Requires GoodTrust login | ⚠️ Requires Trust & Will account | ⚠️ Requires Trustworthy account |
| Feature | Hearmory | Clocr | GoodTrust | Trustworthy | Everplans |
|---|---|---|---|---|---|
| Zero-knowledge / on-device encryption | ✅ Default — CryptoKit, never leaves device | ❌ Server-side encryption only | ⚠️ AES-256 but cloud-based | ⚠️ AES-256 but cloud-based | ⚠️ AES-256 but cloud-based |
| No account required to use core features | ✅ Works without account | ❌ Account required | ❌ Account required | ❌ Account required | ❌ Account required |
| Data never sold / monetized | ✅ On-device — no server access | ⚠️ Unclear (funded via Republic crowdfunding) | ❌ Insurance partner monetization | ⚠️ Privacy policy has ad clauses | ⚠️ Standard SaaS data terms |
| HTTPS enforcement / modern TLS | ✅ N/A — no web server | ❌ TLS 1.2 only; HTTPS not enforced on main site | ✅ Standard | ✅ SOC 2 Type II | ✅ Standard |
| Can delete account / data completely | ✅ Delete all data locally | ❌ Account deletion not possible (verified complaint) | ✅ Yes | ✅ Yes | ✅ Yes |
| Feature | Hearmory | Clocr | GoodTrust | Everplans | Trustworthy |
|---|---|---|---|---|---|
| Native iOS app (SwiftUI) | ✅ iOS 17+, Swift 6 | ⚠️ Hybrid / web-based app | ⚠️ Mobile-friendly web | ❌ iPhone layout only, no iPad scaling | ⚠️ React Native |
| Home screen widget | ✅ CORE — vault status + reminder | ❌ No | ❌ No | ❌ No | ❌ No |
| iPad support | ✅ CORE — SwiftUI adaptive | ⚠️ Limited | ⚠️ Web responsive | ❌ Broken — confirmed complaint | ⚠️ Limited |
| iCloud sync (optional, user-initiated) | ✅ SYNC — $1.99/mo add-on | ⚠️ Cloud default (no choice) | ⚠️ Cloud default (no choice) | ⚠️ Cloud default (no choice) | ⚠️ Cloud default (no choice) |
| Export vault as encrypted PDF | ✅ PREMIUM IAP | ⚠️ Partial | ✅ Yes | ✅ Yes | ✅ Yes |
| Factor | Hearmory | Clocr | GoodTrust | Trust & Will | Trustworthy |
|---|---|---|---|---|---|
| Entry cost | $9.99 one-time | Free (limited) | $149 Estate+ plan | $199–$599 for documents | Free (12 items only) |
| Annual ongoing cost | $0 (optional $23.88/yr sync) | $59.99/yr | $39/yr after first year | $199+ per update cycle | $120–$480/yr |
| 3-year total cost | $9.99 + $71.64 (with sync) = $81.63 | $179.97/yr subscription | $149 + $78 = $227 | $199–$599 per update | $360–$1,440 |
| Free tier quality | N/A — $9.99 one-time is the floor | Limited (5 legacy accounts, 5 files) | No meaningful free tier | App free; docs cost extra | 12 items only — barely useful |
| Privacy-first design | ✅ On-device by default | ❌ Cloud by default, TLS 1.2 issues | ⚠️ AES-256 but cloud-mandatory | ⚠️ Legal services model, data shared | ⚠️ Cloud mandatory, SOC 2 certified |
The $9.99 one-time purchase delivers a complete, private vault. The optional Sync add-on is for multi-device users who choose to trust iCloud.
Users download because they're thinking about estate planning or account security. The $9.99 one-time price removes all subscription fatigue friction — it's a permanent purchase. The dead man's switch and AirDrop transfer features are uniquely compelling: no competitor offers offline beneficiary handoff. That feature alone drives word-of-mouth in crypto and privacy communities.
Hearmory's one-time model is dramatically cheaper than every cloud competitor. The privacy premium is free.
Cloud-only storage. TLS 1.2 security issues confirmed. Cannot delete account. UI widely criticized as outdated.
SOC 2 Type II certified. Great for family collaboration. But cloud-mandatory and expensive for individuals. Free tier capped at 12 items.
On-device encryption from day one. No recurring fee required. AirDrop transfer and dead man's switch included. No cloud account needed.
Free forever plan includes
Premium — $5.99/mo / $59.99/yr / $249 lifetime
The irony of a digital legacy vault that can't enforce HTTPS on its own website and uses outdated TLS 1.2 is not lost on privacy-conscious users. Hearmory's on-device model sidesteps this entirely — there is no server to misconfigure. The inability to delete an account is a GDPR red flag that privacy-aware users will use to justify switching.
Estate+ Plan — $149 one-time / $39/yr renewal
What's notably missing
GoodTrust's insurance carrier partnerships (Aflac, New York Life) mean the product increasingly serves institutional clients, not individuals worried about their crypto seed phrases. The 25% website traffic decline is a leading indicator. Privacy-conscious consumers who discover the insurance tie-in often choose to leave — Hearmory's no-cloud, no-partner model is a direct answer to this concern.
Free app includes
Paid — $199–$599 per document
Trust & Will's model is document generation, not ongoing digital legacy management. There is no vault, no ongoing account monitoring, and no beneficiary handoff mechanism. Users who want a living digital asset inventory — accounts, passwords, crypto keys — cannot use Trust & Will for this. Hearmory owns this use case entirely.
Clocr stores your most sensitive data — account passwords, crypto keys, family messages — on cloud servers secured with outdated TLS 1.2 encryption. You can't even delete your account. Hearmory stores everything on your device, encrypted with Apple's CryptoKit. Only you hold the keys.
Clocr charges $59.99/year for a service that can't enforce HTTPS on its own homepage. Hearmory costs $9.99. Forever. No recurring fee, no cloud dependency, no data monetization. Your family's future shouldn't come with a monthly bill.
GoodTrust is licensed to Aflac and New York Life. Your estate plan data goes through their systems. Hearmory never leaves your device. No insurance partner, no B2B deal — just you, your family, and an encrypted vault that only you can unlock.
GoodTrust handles wills. It does not store your account credentials, crypto seed phrases, or 2FA backup codes. When your family needs access to your digital life, they need more than a will — they need Hearmory.
Trust & Will generates documents for $199–$599. The moment you close the tab, the work is done and the product is idle. Hearmory is your ongoing digital estate — accounts, passwords, crypto keys, inheritance instructions — always current, always with you, always ready to transfer.
Trust & Will can't answer that. Hearmory can. Every digital account you own — email, banking, social media, streaming, crypto — documented, encrypted, and ready for your chosen beneficiary to receive via AirDrop or secure passphrase. No attorney required.
Competitors want your data in their cloud. Hearmory keeps it on your iPhone. A one-time $9.99 purchase gives you an encrypted vault for every account, password, and crypto key you own — plus an AirDrop-based transfer system that works even if Hearmory as a company no longer exists. Built for privacy-conscious asset owners, crypto holders, and anyone who's thought "what happens to my accounts when I'm gone?"
| Segment | Primary Hook | Channel |
|---|---|---|
| Crypto holders | Seed phrase + wallet storage with AirDrop inheritance — no cloud, no risk | Reddit (r/Bitcoin, r/ethereum), Twitter/X crypto communities |
| Privacy-conscious IT professionals | On-device CryptoKit, zero cloud dependency, delete any time | Hacker News, r/privacy, ProductHunt |
| 35–65 asset owners | One-time $9.99 vs $59.99/yr competitors — no subscription for estate peace of mind | App Store ASO, Facebook, LinkedIn |
| Clocr refugees | Can't delete your Clocr account? Hearmory has no account. Delete anytime. Keep everything local. | Trustpilot review replies, Clocr Reddit mentions |
| Estate planners / families | Dead man's switch + AirDrop transfer = actually delivered vault, not just a document | Estate planning forums, attorney referral networks |