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For parents and couples — finally, without the dread

If something happened to you tomorrow, your family would know exactly what to do.

Built for parents and couples who keep meaning to sort this. Sudden walks you through it a bit at a time — your accounts, documents, and wishes — so nothing's left for them to search for.

See how it works →

No credit card required  ·  UK company, UK law  ·  Delete your data any time

Built by a solo founder who's asking the same question himself — read why →

HOW PREPARED IS YOUR FAMILY RIGHT NOW?
0%
Good progress
3 sections still to fill.
Your nominee can see
what you've shared.
Legal Foundations
Money & Assets
Digital Life
Children
Personal Wishes
How it works

Estate readiness, at your own pace. No jargon, no guesswork.

Four simple steps. Sudden walks you through everything your family would need — and keeps it private, encrypted, and ready.

01
Answer guided questions
Nine modules of plain-English questions — from your will location to your phone passcode. Each one tells you exactly what to write and why it matters.
→
02
Everything is encrypted
Your answers are scrambled on your device before they're saved. Even the people who built Sudden cannot read what you've stored. Only you hold the key.
→
03
Share with your person
Invite your partner, an adult child, or anyone you trust. You choose exactly which fields they can see. They'll have access when they need it most.
→
04
Stay ready, always
Sudden nudges you once a year to review and update. Life changes — new house, new baby, new job — and your vault stays current. No more "I'll get to it."
Go at your own pace — save as you go, come back any time
See it in action

Answer it once. Sudden takes it from there.

Try a sample question below — the same flow you'd use in your real vault. No document to scan, no AI reading your files. Just your answer, encrypted, reminded about, and shared with the right person.

Try it
Pick an example below to see a real Sudden question answered.

Sample answers, to show how it works — not real user data.

Your result will appear here Click an example on the left to see it.
Everything Sudden covers
Free to start — no credit card
Your data is locked before it's saved
ICO registered · UK GDPR compliant
Registered in England & Wales
Delete your account any time
9
Guided modules covering
every critical area
100+
Vault fields your family
would need in a crisis
AES-256
Encryption protecting
every field you save
Zero
People at Sudden who can
read your vault
53%
of UK adults aged 50–64 have no will — meaning the law, not them, decides what happens
(Money & Pensions Service)
75k
probate applications in England & Wales in a single quarter
(MoJ, 2025)
1 in 4
UK adults have low financial resilience
(FCA, 2024)
Any time
Stop and come back whenever you like — your progress is always saved
The problem

Nobody wants to think about this.
That doesn't make it optional.

When someone dies unexpectedly, the person left behind has 24 hours to function. Banks to notify. Schools to call. The mortgage lender. The utilities. And most of the time — they don't know where anything is.

This isn't a wealthy-family problem. It isn't an elderly-person problem. It is an everyone-who-loves-someone problem.

See how Sudden helps →
"If something happened to you tomorrow, would I know what to do?"
The conversation most couples quietly avoid
"I've been looking for the will for three weeks. He never told me where it was."
Widow, 47, navigating probate alone · illustrative
"Her phone was locked. Everything was on there. We had to wait six months to access it."
Family member, estate administration · illustrative
"I keep thinking — I should have made him do this. I'll never forgive myself for not pushing."
A surviving partner, six months on · illustrative
What actually happens

The first 24 hours without Sudden.

This is what the person you love would face. Every step of it is preventable.

HOUR 1
Try to access your phone
It's locked. Nobody knows the passcode. Everything — your contacts, your banking apps, your photos — is behind a screen they can't get past.
HOURS 2–6
Find the bank accounts
They know you banked somewhere. They start calling numbers. Each bank asks for a death certificate they don't have yet. The mortgage lender needs a reference number nobody can find.
DAY 1–3
Look for the will
Is there a will? Is there a solicitor? Who is the executor? Three questions. They don't know the answer to any of them. The search through drawers and filing cabinets begins.
WITH SUDDEN
They open the app
The phone passcode is there. The bank list is there. The will location, the solicitor's name, the children's school — all of it. They know what to do. They can breathe.
Who Sudden is for

Not just for the wealthy.
Not just for the organised.

Sudden was built for ordinary people who love someone and haven't got round to sorting this yet. Which of these sounds most like you?

Couples with children

If something happened to one of you, would the other know exactly what to do — that evening, the next morning, the week after? Guardian arrangements, school details, financial accounts, the mortgage — all of it.

Sudden gives both partners a shared, clear picture. Sit down together and work through it at your pace — save as you go, and you'll both know where everything is.

WHAT COUPLES RECORD
→Guardian arrangements for children
→Joint and individual bank accounts
→Life insurance policies
→Will location and executor details
→School contacts and daily routines
→Sealed letters for each other
Single people

If you live alone, there's nobody who automatically knows where things are. If something happened to you, the people who care would be starting from scratch.

Sudden lets you nominate anyone you trust — a sibling, a parent, a close friend — to receive exactly what they'd need. You decide what they can see.

WHAT SOLO USERS RECORD
→Who to contact first
→Bank accounts and investments
→Phone and device access
→Will and executor details
→Personal wishes and funeral preferences
→Nominated person and their access level
Helping ageing parents

You've been meaning to help your mum or dad get organised. Sudden is simple enough that you can sit with them, work through it together a little at a time, and — on Core and above — print a PDF copy once it's done.

A printed copy can sit alongside their will, so nothing stays trapped in an app they'll forget the password to.

HOW TO DO IT TOGETHER
1Create an account on their phone or your laptop
2They answer the questions, you help type
3They nominate you for access when needed
4Print the PDF and store it with their will (Core and above)
Mortgage and property owners

Would your partner know the mortgage lender's name? The life insurance policy number? Who to call first? Most people are surprised by how much they own — and how scattered the information is.

Sudden puts it all in one place — at whatever pace works for you.

WHAT PROPERTY OWNERS RECORD
→Mortgage lender and account number
→Life insurance — provider, policy, sum assured
→Buildings and contents insurance
→Pension provider details
→Solicitor and conveyancing records
→Utilities and service providers
Not great with tech

Sudden is designed for anyone — including people who rarely use apps. One question at a time. No technical terms. No overwhelming forms. Every field tells you exactly what to write and why.

If you need to stop, your progress is saved. Come back any time. A family member can sit with you to help.

HOW SUDDEN MAKES IT EASY
→One question at a time — never overwhelming
→Each field explains what to write and why
→Auto-saves — stop any time, nothing lost
→No jargon — plain English throughout
→Printable PDF on Core and above — doesn't stay trapped in an app
→A family member can sit with you to help
You've been putting this off

You know you should sort this. The problem isn't motivation — it's that every time you sit down, you don't know where to begin. The blank page is the obstacle.

Sudden removes the blank page. A half-finished vault is already better than nothing — and the readiness score shows you progress immediately.

WHY THIS TIME IS DIFFERENT
→No blank page — everything is guided
→Readiness score shows progress immediately
→Stop and come back — nothing is lost
→No shame — Sudden never shows failure messages
→No deadline — pick it up and put it down as many times as you need
→"Welcome back. Let's do one small thing."
SUDDEN IS FOR YOU IF ANY OF THESE APPLY
You've just had a baby
You've just got a mortgage
You've recently got married
You've just turned 40 or 50
You're helping an ageing parent
You've started a new job with a pension
You live alone
You've been putting this off for years
Frequently asked questions

Honest answers to the questions worth asking.

Sudden is designed for anyone — including people who rarely use apps. It works like answering a series of simple questions. There are no technical terms. Every field tells you exactly what to write and why it matters. If you can send an email or fill in an online form, you can use Sudden. And if you need to stop halfway through, your progress is saved automatically.
A blank spreadsheet has no guidance — most people open one, stare at it, and close it. Sudden walks you through everything step by step, tells you what to include and why, and keeps your answers private and secure. A Google Doc with your bank details, passwords and PIN numbers in it is also genuinely risky if anyone else ever accesses your account.
A will says who gets what after you die. But it doesn't tell your family which bank accounts exist, where your pension is, how to get into your phone, or who the children should call first. Those are the questions that need answering in the first 24 hours — long before probate even begins. Sudden covers everything a will doesn't.
Only you — and whoever you choose to share it with. Your information is scrambled (encrypted) on your device before it's saved, using AES-256-GCM — a widely trusted, industry-standard encryption method. This means even the people who built Sudden cannot read what you've stored. We see locked data. Only you hold the key to unlock it.
No. Ask Sudden is a private search tool that works entirely on your device. It lets you ask plain-language questions about what you've stored — like "where's the will?" or "which bank holds the mortgage?" — and answers only from the information you've added to your own vault. Nothing you type or store is ever sent to us, to any third party, or to any external AI model. There is no large language model involved and no data sharing of any kind. It simply searches your own encrypted vault, on your phone, and never leaves the device.
Yes — arguably more so. If you live alone, there is nobody who automatically knows where things are. Sudden lets you nominate anyone you trust — a sibling, a parent, a best friend, a solicitor — to access your information. You decide exactly what they can see. The vault is for whoever needs it, not just couples.
On Core and above, you can export a readable PDF copy of your vault information at any time. Any copy you've exported and saved is yours to keep — it doesn't depend on Sudden, even in the worst case. If we ever withdrew the service, our Terms of Use commit us to giving reasonable notice and a chance to export your data first. We're building this for the long term.
Not at all. Your progress saves automatically as you go, so there's no rush. The readiness score shows you exactly what you've done and what's still missing — so you can come back whenever suits you and pick up where you left off.
Because Sudden uses zero-knowledge encryption, we cannot recover your vault for you — if we could, that would mean we could read your data. If you forget your password, you can reset it, but this clears your existing vault data. Sudden cannot recover that data for you. Changing your password using your current password preserves your vault. On Core and above, you can also keep an exported PDF copy somewhere safe as a backup. Your security is worth this trade-off.
No. Sudden doesn't create legal documents, offer legal advice, or replace a will. What it does is bring together all the practical information your family would need — information that exists in your head, your phone, your filing cabinet, and a dozen online accounts. Think of it as the operating manual for your life, to be used alongside the legal protections your solicitor sets up.
Trustworthy is a US-based "Family Operating System" — broad, general-purpose, and priced from $120/year. Sudden is built specifically for the UK, focused entirely on estate readiness, and designed to be completed at your own pace. We use zero-knowledge encryption (Trustworthy doesn't), we're ICO registered, and we're built under UK law. If you're a UK family, Sudden was made for you.
What Sudden does

Everything in one place.
Private. Encrypted. Calm.

Nine guided modules
Legal, financial, digital, family, and personal — every category your family would need, with prompts that explain exactly what to record and why it matters.
Your data is locked before it leaves your device
Your information is scrambled on your phone or computer before it's saved. Only you can unscramble it. Even the people who built Sudden cannot read what you've stored — not now, not ever.
Granular sharing controls
Choose exactly which fields your nominee can see. Share financial accounts but keep personal letters private. Field-level control, always.
Readiness score
A live score from 0–100% that updates as you complete your vault. Shows you exactly what's missing. The accountability loop that gets things done.
Solicitor-ready PDF export
On Core and above, generate a clean, readable PDF of your vault information at any time. Print it. Share it with your solicitor. Keep it in your fireproof safe. PDFs aren't encrypted or password-protected, and don't include sealed letters or uploaded files — so store and share them securely.
Sealed letters
Write personal messages to your children, partner, or loved ones — sealed, encrypted, stored. A letter that waits for the moment it's needed most.
Explore all features →
Inside the vault

Nine modules.
Every question answered.

Legal Foundations
Will location, who carries out your wishes, your solicitor's details, legal decision-making arrangements.
12 fields
Money & Assets
Bank accounts, pensions, insurance policies, investments, debts, mortgage.
18 fields
Digital Life
Password manager access, phone and laptop passcodes, two-step login details, key online accounts.
14 fields
Children & Family
Guardian arrangements, school, medical, daily routine, financial provisions.
16 fields
Personal Wishes
Funeral preferences, burial or cremation, who speaks, music, organ donation.
10 fields
Key People
Who to contact, who to involve in decisions, who should not be involved.
8 fields
The House
Utilities, alarm codes, spare key location, car insurance, regular contractors.
12 fields
Health & Work
GP surgery, medications, employer contact, and the lump-sum payout many employers make to families — often unclaimed.
11 fields
Sealed Letters
Private messages written for the people you love, waiting for when they're needed.
Unlimited
Why it matters

The weight that gets lifted.

Illustrative of the situations Sudden is built for — these are not customer reviews. Sudden is pre-launch, so we'll publish verified feedback once families have used it.

"We'd been meaning to sort this for years. We worked through it a bit at a time, over a few evenings. It felt like an enormous weight had been lifted. I finally know she'd be okay."

A parent of young children
The relief Sudden is built to give · illustrative

"I'm a solo ager. I'd been worrying for years about what would happen if something went wrong — who would know what to do. This is exactly what I needed."

Someone who lives alone
On nominating a person they trust · illustrative

"My husband died suddenly two years ago. Finding everything was a nightmare — it took months. I've now done Sudden so my children will never go through what I did."

A bereaved parent
On sparing their children the same · illustrative

"For us as working parents, this has been invaluable. We always knew we should sort it. Sudden made it feel possible instead of overwhelming. We chipped away at it over a couple of weekends."

Working parents
On it finally feeling possible · illustrative

"I helped my mum complete it over two visits. She's 74 and not great with tech — but she managed fine. The questions are clear and it never felt complicated or scary."

Helping an ageing parent
Completed together over two visits · illustrative
A spreadsheet only you know about isn't protection.
A guided, encrypted vault your family can actually find — that's the difference.

No credit card required

Sudden vs the alternatives

You have options. Here's the honest comparison.

Most people who haven't used Sudden are using one of these. Here's why they fall short.

Not a replacement for your solicitor — it's the preparation that makes their job faster (and their fee smaller) when you need one.

FEATURE
Sudden
Spreadsheet
Google Drive
Binder / folder
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Estate readiness.
Finally, for everyone.

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No credit card required  ·  UK company, UK law

Sudden — Early Access
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