Coming 2027 · Latchkey Tools
In Case
The packet your kids would need if you couldn't explain it yourself.
In Case is the packet your children would need if you died or could not explain your affairs: a living inventory of accounts, property, insurance and bills, the people to call, and the plan for the first day, week and month. Not a bank connection, not a password manager. Encrypted so that even Latchkey cannot read it.
Get early access
Subscribers hear first, and founding members get the Vault price locked for life.
You also get the daily brief. Unsubscribe in one click.
What's in the briefing
- Home. The letter, who it's for, where the will and papers are, the executor, how 1Password Emergency Access works, and a completeness list.
- Records. Money, Estate, Owns, Insurance and Bills: every account, property, policy and auto-pay, with how each one passes (will, TOD, POD, joint, trust, beneficiary).
- People. Executor, attorney, CPA, advisor, insurance agent, family. Who to call.
- Plan. The order of work: first day, first week, first month, later.
- Standing. Assets, debt, net worth and the 90-day cash picture, updated once a month by you.
The map, not the keys
Passwords don't live here. Each item points at 1Password. The briefing says so in plain language, so your family knows where the keys are and this site tells them which doors.
Encrypted so we can't read it
Your vault is encrypted in your browser with a passphrase only you hold. Latchkey stores ciphertext. There is no "forgot passphrase" button, which is why you print the recovery kit.
If you stop showing up
Arm the switch. It stays sealed while you check in monthly. Miss two months in a row and the one family member you named gets a read-only copy. Until then, their link only says it's locked.
Why it matters
The problem In Case solves
One person knows where everything is.
In most households it's one spouse. When that person is gone or in a hospital bed, the other is learning the finances in the worst week of their life.
The will isn't the map.
A will says who gets what. It doesn't say which bank, which login, which policy, which auto-pay will bounce in March. Retirement accounts and life insurance skip the will entirely; the beneficiary form decides.
Nobody writes it down.
Because it feels morbid, because there's no good place to put it, and because a document in a drawer goes stale in a year. In Case gives it a place, a monthly nudge, and a way to hand it over.
How it works
Three steps, then once a month
- 1
Fill in the inventory
An afternoon. Money, Estate, Owns, Insurance, Bills. Each row holds the institution, the last four digits, the balance, and how it passes. Passwords stay in 1Password; each row just points there. A completeness list shows what's missing.
- 2
Write the letter and the plan
Who this is for, where the will and papers are, who the executor is. Then the plan: first day, first week, first month. It ships with a sensible default; you edit it to your family.
- 3
Name one person and arm the switch
Print the recovery kit. Store the family passphrase in your 1Password Emergency Kit. Arm the switch. From then on, one monthly check-in keeps it sealed; two missed months in a row, after warnings, open the read-only copy to the person you named.
Once a month: an email reminder, five minutes to update balances, tap "Reviewed." Standing records the snapshot so your family sees net worth, debt and 90-day cash the way you last saw it, not the way a stranger reconstructs it.
A week in the life
Dani's husband had a stroke on a Tuesday.
By Wednesday she had opened the briefing he kept in In Case: the mortgage auto-pays from the joint account, so it's fine. The business operating account is in the LLC's name and she's not a signer; the attorney's number is in People and the Plan says to call on day one. The life policy is $1M with her as beneficiary; the claim steps are in the first-week list. The six subscriptions are marked keep, cancel or ask. She didn't have to guess at any of it. She printed the briefing and took it to the attorney on Friday.
Illustrative scenario. Names are invented.
Free for every subscriber
The printable briefing
The letter, the completeness checklist and the Plan, filled in on your screen and downloaded as a PDF. Nothing is stored with us. It is the document you would hand an attorney.
Vault membership · $79/yr, founding $59
The living vault
The hosted, encrypted vault with monthly review reminders, the cash picture, brokerage import, a co-owner for your spouse, the dead man's switch and the sealed family link. Plus Serum and everything in Reader.
Questions people ask
- Is In Case a password manager?
- No. In Case is the map; 1Password is the key ring. Each item can point at a 1Password link, and the briefing tells your family how Emergency Access works. Passwords are not meant to live here.
- Can Latchkey read my vault?
- No. Everything you enter is encrypted in your browser with a passphrase only you hold. We store ciphertext and timestamps. If you lose the passphrase and the printed recovery kit, nobody can recover the vault, including us.
- What is the dead man's switch?
- An optional timer. It stays sealed while you open the vault or mark your monthly review. If two months in a row are missed, after warnings to you, a separate family link opens a read-only copy of the briefing for the one person you named.
- What does the free version include?
- The printable briefing: the letter, the completeness checklist and the Plan, filled in on your screen and downloaded as a PDF. Nothing is stored with us. The hosted vault, monthly reminders, the cash picture and the switch are part of Vault membership.
- Does it connect to my bank?
- No. Once a month you type balances or import a positions file from your brokerage. Nothing connects to Chase, Fidelity or the IRS, by design.
In Case does not give legal advice and does not replace a will, a trust or an attorney. It is the map your family uses to find them. The estate checklist most people put off.