YourEstateVault — The Secure Estate Information Organiser for UK Families
YourEstateVault is a private, AES-256 encrypted estate information organiser that helps UK families record everything their executor will need: where the will is held, Lasting Power of Attorney (LPA) details, financial accounts, pension providers, digital assets, and final wishes — all in one secure, structured place. No documents are uploaded or stored — you simply record the information.
What Is YourEstateVault?
YourEstateVault is a UK estate information organiser designed to bridge the gap between having a will and making sure your executor can actually act on it. Most families discover after a bereavement that the real challenge is not the legal documents — it is finding the information. Bank account numbers, pension providers, insurance policies, solicitor contacts, digital account details — without a centralised record, the probate process can take months longer than necessary and cause lasting family strain.
YourEstateVault gives you nine structured sections to record every detail your executor needs. You do not need to gather paperwork first — simply record what you know today and add more whenever you are ready. Your data is encrypted in your browser using AES-256 before it ever leaves your device.
Who Is It For?
YourEstateVault is built for UK adults who want to take estate planning seriously — whether you already have a will and LPA in place and want to make sure your executor has all the supporting information, or you are just starting to think about what happens to your estate when you are gone. It is particularly valuable for people with complex financial lives: multiple bank accounts, pensions, investments, property, business interests, or significant digital assets such as cryptocurrency.
Key Features
- Will & Legal Documents — Record where your will is stored, who your solicitor is, and the key terms of your estate distribution.
- Lasting Power of Attorney (LPA) — Store your LPA details for both Property & Financial Affairs and Health & Welfare.
- Financial Assets — Log bank accounts, ISAs, investments, pensions, and property with provider names and account references.
- Digital Assets — Record cryptocurrency wallets, online accounts, and digital subscriptions so nothing is lost after death.
- Dead Man's Switch — An automated check-in system that notifies your executor and trusted contacts if you stop responding, then releases your Executor Pack.
- Executor Pack — A downloadable, encrypted offline file containing everything your executor needs to begin probate immediately.
- Posthumous Messages — Write personal emails to loved ones now, delivered automatically at the times you choose — on the day the switch fires, or on recurring dates like birthdays and anniversaries.
- Final Wishes — Record your funeral preferences, organ donation decisions, and any personal wishes you want your family to know.
Estate Planning in England and Wales — Why It Matters
An estimated 60% of UK adults do not have a will. Of those who do, the majority have no structured record of their financial accounts, pension providers, or digital assets. When someone dies in England or Wales, their executor must apply for a Grant of Probate, locate every account, notify every institution, and settle every debt — often while grieving. Research consistently shows that the single greatest difficulty executors face is simply finding information.
YourEstateVault is designed to solve that problem. It does not replace a solicitor, a will, or an LPA — it complements them by giving your executor a clear, complete, and immediately accessible record of everything they need to act.
Inheritance Tax Planning in the UK
Inheritance Tax (IHT) in the UK is charged at 40% on the value of an estate above the nil-rate band threshold (£325,000 as of 2025). Proper estate planning — including recording all assets, liabilities, gifts, and exemptions — is essential for executors to accurately calculate and report IHT to HMRC. YourEstateVault helps you record the details your executor needs: property valuations, pension providers, investment accounts, business assets, and gifts made in the seven years before death. Having this information organised in advance can significantly reduce the time and cost of estate administration.
What Happens If You Die Without a Will in England and Wales?
If you die without a valid will in England or Wales, your estate is distributed under the Rules of Intestacy. This means the law — not your wishes — decides who inherits. Cohabiting partners have no automatic right to inherit under intestacy, regardless of how long they have lived together. Only married or civil partners and blood relatives are recognised. Children from previous relationships, stepchildren, and close friends receive nothing unless named in a will. YourEstateVault helps you record your will details, your executor’s contact information, and your wishes — so your family is never left in doubt.
Executor Duties in the UK
Being named as an executor in England or Wales is a significant legal responsibility. Executor duties include: applying for a Grant of Probate, valuing the estate, notifying banks and financial institutions, paying any Inheritance Tax owed to HMRC, distributing assets to beneficiaries, and filing a final tax return. The average UK estate takes 12–18 months to administer — most of that time is spent locating information. YourEstateVault’s Executor Pack gives your executor a structured, encrypted record of everything they need to begin probate immediately, reducing administration time and family stress.
Pricing
YourEstateVault is free to start with no credit card required. The free plan includes three information sections: Personal Identity, Final Wishes, and Personal Messages. Personal Pro plans start from £5.83 per month (billed annually) and unlock all eight sections, the Executor Pack, the Dead Man's Switch, Trusted Contacts, and Posthumous Messages. Household Pro and Business Pro plans are also available.
Security
All vault data is encrypted in your browser using AES-256 before transmission. YourEstateVault holds only ciphertext — your data cannot be read by us, by third parties, or by any breach of our servers. Your PIN never leaves your device. The platform is built and operated in the United Kingdom by Dhillon Stevens Ltd.