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About this tool
Decide which household logins to share, which to keep individual and which need emergency access instead.
Shared Family Password Plan Builder sorts 19 common household logins into four handling routes — a joint account in both names, a shared password-manager collection, an individual login with emergency access, or individual only — and scores how closely your current habits match. The split follows one rule: personally-held credentials such as bank, tax and medical logins are never shared, because provider terms require non-disclosure and the correct route is the provider's own mechanism, a joint account, a third-party mandate or a power of attorney. Everything genuinely shared belongs in a vault collection you can revoke, not in a message thread.
Open Shared Family Password Plan Builder on AltFTool — it loads instantly in your browser.
Set Adults (1–12) and Teenagers with their own logins (0–12), then tick "We use a password manager with shared collections" and "Emergency access or a legacy contact is already nominated" if they apply.
Under "How you handle each login today", set each of the 19 credentials to how your household handles it now: Joint household account, Shared password-manager collection, Individual with emergency access, Individual only never shared, or Sent by message, email or written down.
Read the Plan alignment percentage alongside the "Shared but should not be" and "Needed if someone is unavailable" counts, work down the ranked "Changes to make" list, then press Copy plan.
Separates 'we both use this' from 'this is legally mine', which is where most household plans go wrong.
A shared streaming login and a shared bank login are not treated as the same mistake.
Flags every credential a partner would need if you were unavailable, and whether anyone is nominated to reach it.
It is safe for shared services — streaming, wi-fi, food delivery, the camera app — provided you share them through a password manager's shared collection, which grants access per item and lets you revoke it in one action. It is not safe, and usually not permitted, for personal banking, tax and medical accounts, where disclosure can breach the provider's terms and remove protections you would otherwise have.
Name both adults on the account rather than sharing one login. Energy, broadband, insurance and school portals almost all support a second account holder or authorised contact, which means each person gets their own credential, their own audit trail, and the ability to talk to support without pretending to be someone else.
It is a feature that lets you nominate a trusted contact who can request access to your vault; you get a notification and a waiting period, typically configurable from one day to 30, and if you do not decline, access is granted. It is the right answer for your master password and your personal email, because it gives a partner a route in during a real emergency without handing them everything today.
No. Most retail banking terms require you not to disclose your password, PIN or security codes to anyone, and a payment made with disclosed credentials can be treated as authorised by you, which affects whether it is refunded. If your partner needs to see or move money, open a joint account or arrange a third-party mandate with the bank. This is general information, not legal or financial advice — check your own bank's terms.