End of Life Planner
The organized, searchable record your family needs — and can actually find — when the time comes. Accounts, insurance, documents, final wishes, and the stories that matter most. All in one place. Free to start.
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Don't wait for a crisis to start organizing.
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What Is an End of Life Planner?
An end of life planner is a tool — digital or physical — that helps you organize the information your family will desperately need when you die or become incapacitated. It's the single location where they can find your bank accounts, insurance policies, important documents, digital assets, final wishes, and key contacts.
Without one, families spend weeks — sometimes months — in a frantic search for information while simultaneously grieving. They miss unclaimed life insurance, pay unnecessary taxes, and struggle through probate on top of the emotional weight of losing someone they loved.
A good end of life planner goes further than the practical. MyLifeLedger is the only end of life planner that also captures your life story — through AI-guided conversations, voice recordings, and private family sharing — so your family has more than just logistics. They have you.
What a Complete End of Life Plan Includes
Financial accounts
Bank accounts, investment accounts, retirement accounts (IRA, 401k, pension), Social Security information, and safe deposit box locations — organized so your family can find every dollar without playing detective.
Insurance policies
Life insurance, health insurance, long-term care, and any other policies — with policy numbers, provider contacts, and beneficiary designations clearly documented.
Important documents
Where your will is located, who your power of attorney is, your healthcare directive, property deeds, vehicle titles — the documents your family needs and exactly where to find them.
Digital assets and accounts
Email, social media, streaming services, online banking, cloud storage — every digital account your family should know about, without storing passwords. We explain exactly why in our approach.
Key contacts
Your attorney, CPA, financial advisor, insurance agent, and anyone else your family will need to call. One place, always current.
Final wishes
Funeral preferences, burial or cremation wishes, organ donation status, and any specific requests — clearly documented so your family doesn't have to guess during the hardest days of their lives.
Life story and voice recordings
The part most end of life planners skip. Your children and grandchildren won't remember your account numbers — they'll remember your voice, your stories, and the lessons you lived. MyLifeLedger captures both.
Why End of Life Planning Can't Wait
The average American has 5–7 financial accounts
Most families spend weeks just identifying what existed — before they can even begin the process of settling an estate.
1 in 4 life insurance policies go unclaimed
Because families don't know the policy exists. Your insurer won't hunt them down. Your beneficiaries have to.
Illness can strike before you're ready
End of life planning isn't just for the elderly. An accident, diagnosis, or sudden illness changes everything — often with no warning.
The conversation is harder than the planning
Most people delay because they don't want to think about it. But the actual work — with the right tool — takes an afternoon. Your family will carry that afternoon with them forever.
Why Families Choose MyLifeLedger
🧠 AI-guided — not a blank form
Most end of life planners are glorified spreadsheets. MyLifeLedger walks you through everything with prompts, follow-up questions, and reminders. You don't have to figure out what to include — we guide you through it.
🎙️ Voice recordings and life stories
The accounts and documents your family needs to settle your estate. And your voice, your stories, and your memories — so they have more than paperwork. No other end of life planner does both.
🔒 Bank-level security
AES-256 encryption. We don't store passwords. Your ledger is locked behind your credentials and accessible only to people you explicitly invite.
📱 Easy enough for any age
Built for adults of all ages — not just tech-savvy users. If you can answer a question in a conversation, you can complete your end of life plan on MyLifeLedger.
🔄 Always current
Unlike a binder that goes stale in a drawer, your digital ledger is always one update away from being current. Change banks? Update it in two minutes. Move? Done.
How to Start Your End of Life Plan This Weekend
- 1
Create your free MyLifeLedger account
Takes 2 minutes. No credit card required. Start with a free account — you can add up to 10 entries before deciding if premium is right for you.
- 2
Gather your key documents
Pull out your most recent bank statements, insurance policies, and the location of your will. You don't need everything on day one — just whatever you have accessible.
- 3
Answer the guided prompts
MyLifeLedger walks you through each category with simple questions. Answer the ones you know. Skip the ones you need to find. Come back and fill in the rest.
- 4
Invite a trusted family member
Share access with a spouse, adult child, or trusted person. They can see what you've documented and add to it over time. You control who sees what.
- 5
Set a 30-minute reminder every year
End of life planning isn't one-and-done. Set an annual reminder to review and update your ledger. Life changes — your plan should too.
Frequently Asked Questions
What is an end of life planner?
An end of life planner is a tool that helps you organize the practical and personal information your family will need when you die or become incapacitated — accounts, insurance, documents, digital assets, final wishes, and key contacts — all in one secure, shareable place.
Do I need a lawyer to do end of life planning?
No. Organizing your accounts, insurance, and final wishes doesn't require an attorney. You may want legal counsel for a will, trust, or power of attorney, but the organizational work is something you can and should do yourself, starting today.
What is the best end of life planner app?
MyLifeLedger is the most complete end of life planner for most families in 2026. It covers the practical bases (accounts, insurance, documents) and adds life story capture and voice recordings — for $39/year or free to start. Apps like Everplans cover organization well but have no memory capture. Passings and WhatNow are solid alternatives focused on task checklists.
How long does end of life planning take?
Most people complete a meaningful plan in 1–3 hours with the right tool. Gather your key documents (insurance policies, bank statements, will location), sit down with MyLifeLedger, and answer the guided prompts. You can always add more later — start with what you have now.
Is MyLifeLedger different from a will?
Yes. A will is a legal document that specifies how your assets should be distributed and who should care for your dependents. An end of life planner like MyLifeLedger is an organizational tool that tells your family where things are — accounts, insurance policies, document locations, digital assets, final wishes. The two are complementary: a will tells them what you want; a ledger tells them where to find everything they need to honor it.
The most thoughtful thing you can do for your family.
Organize everything they'll need. Capture the stories they'll want. Start free — no credit card, no attorney, no guesswork.
Start Your End of Life Plan — Free →Free to start · $39/yr Premium · Built for any age