Would they know where to start, or would they be guessing which email you used and which phone gets the verification code?
Now add your business. QuickBooks. Payroll. Your domain name. Accounts you set up years ago and have never thought about handing over.
You can leave instructions about who gets what and still leave everyone guessing about where it is or how to reach the right provider.
Your family shouldn’t have to figure this shit out while they’re grieving.
And "they know my password" is not much of a plan if the next screen asks for a code from your phone.
Apple and Google have tools that can help, but they do different things. Apple Legacy Contact provides a process for requesting certain data after your death. It does not include your saved passwords or passkeys. Google Inactive Account Manager can share selected data after a period of inactivity. It is not an immediate handover.
That is why the list needs to cover more than logins. It needs to explain what exists, what should happen to it, who should handle it and where the recovery instructions are kept.
Start with the checklist below. You do not need to finish everything today. Start with your primary email, your password manager and the records your family would need first.
Leave them a plan they can use.
Download the fillable checklist (PDF) ↗
List the accounts that matter. Include email, banking and investments, insurance, bills, cloud storage, photos, social media and any business accounts you control.
Identify the email and phone behind them. Record the sign-in ID and which recovery email or phone each important account uses. A password alone may not be enough.
Make a plan for your password manager. Check whether your provider offers emergency access. If it does, configure it and confirm the intended person can complete their part. Keep secret credentials separate from this list.
Plan for two-factor authentication. Document where backup codes or spare security keys are securely stored. Keep protection enabled. Do not make your only recovery option the phone in your pocket.
Set up Apple Legacy Contact, if applicable. On iPhone: Settings > your name > Sign-In & Security > Legacy Contact. Give your contact the access key. After your death, Apple requires it and a death certificate. Saved passwords and passkeys are excluded.
Set up Google Inactive Account Manager, if applicable. At myaccount.google.com/inactive, choose the inactivity period, trusted contacts and data to share. This acts after the selected period, not immediately when someone needs access.
Protect the things you cannot replace. Locate family photos, videos and important documents. Keep a separate backup and check that you can actually open files from it.
Write down what you want done. Specify what to preserve, share, memorialize, transfer where permitted or close. Identify recurring bills and subscriptions that need attention.
Choose the people and confirm their authority. Tell your trusted person where the plan lives. Work with your estate attorney on authority for death and incapacity. Possessing a login does not, by itself, establish permission to use it.
Walk through it together, then keep it current. Have your trusted person find the instructions and explain the first steps. Do not leave the only copy inside an account they cannot reach. Review yearly and after major account or family changes.
Keep secrets out of the checklist. Store passwords, recovery codes, PINs and crypto seed phrases separately and securely. Do not email a completed account inventory or credentials to Savvy. Coordinate the plan with your estate attorney and the providers involved.
View the checklist PDF or download it to fill in and save privately.