If you are searching for an Everplans alternative you have probably used the free version, hit the three-item ceiling, and started wondering what the paid tier really buys. Or a financial adviser handed it to you and you want to know whether it is worth it on your own money. Here is the honest version, including what Everplans gets right.
What Everplans does well
Everplans has been at this since 2012 and it shows: genuinely good guided categories, a large planning-content library, and distribution through advisers, insurers and funeral homes, so it slots into a broader planning relationship.
If you want hand-holding, cloud sharing, and you do not mind a subscription, it is a mature and competent product. We are not going to pretend otherwise.
What it costs
The free tier stores three items — enough to try, not enough to use. Premium is $99.99 a year for unlimited items and secure sharing, though partner promotions sometimes differ; check their current pricing page.
Trustworthy, the other big name, runs a freemium cloud model that steps up to a paid tier. GoodTrust renews annually to keep editing and downloading.
The trade-off the marketing page soft-pedals
Any cloud subscription holding your family's most sensitive file means you are renting access, not owning it. Two questions are worth asking before paying.
What happens when you stop paying? Standard practice: premium features and items beyond the free cap lock until you resubscribe. That is fine — as long as you remember to keep paying, forever, for something you hope your family never urgently needs.
What happens when the company changes hands? Not hypothetical. Everplans was acquired by National Guardian Life in 2021, then by Precoa, a pre-need funeral-planning company, in 2024. Service continued normally both times, to be fair. But "your data lives with whoever owns the company now" is a real condition of every cloud service. The ugly version of the same mechanism was 23andMe's 2025 bankruptcy, which put its most personal customer data in front of a bankruptcy court. Nobody is predicting that here — the point is that the mechanism exists, and on-device architecture is the only thing that removes it entirely.
The comparison, plainly
- Cost — In Case $59 once · Everplans $99.99 a year · Trustworthy freemium rising to a paid tier · paper binder, the price of printing.
- Where the data lives — In Case, your device · Everplans and Trustworthy, their cloud · paper, your drawer.
- Account required — In Case, no · Everplans, yes · Trustworthy, yes · paper, no.
- If you stop paying — In Case, nothing changes · Everplans, locked past the free cap · Trustworthy, locked past the free tier · paper, not applicable.
- If the company disappears — In Case, keeps working · Everplans and Trustworthy, at the acquirer's discretion · paper, keeps working.
- Staying current — In Case, Everplans and Trustworthy are all easy to update · paper goes stale.
When a one-time, on-device vault fits better
If what you want is the same organised categories — accounts, insurance, documents, contacts, wishes, letters — without a recurring bill and without your records on somebody's server, that is exactly what In Case is: $59 once, on-device, no account.
You give up cloud sharing and the adviser ecosystem. You gain a vault that keeps working whether or not you ever pay anyone again, and that can never be part of an acquisition. The handover happens on your terms: a printed emergency sheet, an encrypted export, or the phone itself.
How to decide
Want guided content, cloud sharing and an adviser ecosystem, and comfortable with a subscription that never ends? Everplans, no argument.
Want to do this once, keep it private, and never think about a renewal date? A one-time on-device vault. Just getting started and unsure? A paper binder costs nothing this weekend — here is the complete checklist — and you can graduate later.
Prices checked as of mid-2026; confirm current numbers with each vendor. Educational, not legal advice.