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STEMMA
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Pricing

One decision you won't revisit monthly.

Two plans, priced yearly, because this is infrastructure for decades. Either way: no card to start, export anytime, and your data outlives your subscription.

Personal
$79 / year

One vault, one owner. The full mechanism — nothing here is a teaser tier.

Unlimited entries — accounts, documents, keys, letters
Up to 5 beneficiaries, per-item assignment
Verified release with waiting period you set
Printed recovery kit, 2FA code generation
Start free
Family
$149 / year

Two owner vaults plus shared entries — because most estates are joint long before they're inherited.

Everything in Personal, for both of you
Shared household entries with joint ownership
Unlimited beneficiaries and letters
Executor seat: sees the map, never the contents
Start free
Placeholder numbers — set them when the offer is settled. Free while a vault holds fewer than ten entries.
Non-negotiables, on every plan
Zero-knowledge encryption

Never a paid feature. The cheap tier of a vault company shouldn't be "we can read your will."

Open export

Your full vault, decrypted on your device, in open formats — whether you stay or go.

Release grace

If a subscription lapses, release plans stay armed. A missed renewal will never strand your family.

Asked, plainly answered.

What happens to my vault if Stemma shuts down?

You'd be notified with a long export window, and the recovery kit plus your export can reconstruct everything offline. We also publish the client's decryption path so a vault archive is readable without our servers.

Is this a will? Do I still need a lawyer?

Stemma is not a legal instrument and doesn't replace one. It's the operational layer a will assumes exists: the access, locations and instructions that make the legal documents executable.

What if I forget my passphrase?

The printed recovery kit gets you back in without us. If you lose both the passphrase and the kit, the vault is unrecoverable — that's the honest cost of a vault nobody else can open, and why the kit exists on paper.

Can a beneficiary see anything while I'm alive?

No — most never learn they were named. The only exception is one you create deliberately, by sharing a specific entry with a specific person today.

Ten entries free.
Start with the ones that matter most.

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