Adjustable-rate mortgage resets in 5 months
Needs attentionJul 8, 2026
The fixed period on your 5/1 ARM ends in December 2026. Refinance pricing is typically best 3–6 months ahead – now is the right window to compare rates.
See everything you own.Protect what matters.
One private place for your accounts, insurance, home, crypto and papers – with a nudge before anything costs you money.
Trusted by 17,000 households across the EU and the US
Total picture
$1,183,900
- Checking & savings4 accounts · 2 banks$196,400
- PropertyPrimary home · Austin, TX$845,000
- Insurance3 policies active$1.5m coverage
- Crypto2 wallets linked$142,500
- Documents38 files organizedEncrypted
Try it right here.
This is the real app, running in the page. Scroll it, tap around, switch screens.
You didn't lose track. Nobody ever showed you the whole picture.
Your money lives with a dozen providers who each see one piece of it. Nobody sees all of it. That's where things go wrong.
Your cover stopped matching your life
Property values moved. Your policy didn't. Two in three homeowners are underinsured and find out when they claim.
You're paying for things you'd cancel
Renewals that auto-renew above market, fees nobody flagged, a pension left at an old employer. The average household loses thousands a year to this.
Your family can't find what you have
When something happens, they search through drawers and inboxes for accounts, policies and documents. Most of it is never found.
The small things you meant to get to.
“We renovated the kitchen two years ago.”
Your home is worth more than your cover. Eterny spots the mismatch and tells you before you need to claim.
“It renews next month. I'll look at it then.”
Six weeks ahead, Eterny tells you what the renewal will cost and what the same cover costs elsewhere – $300 a year, on one policy. We don't sell you insurance. We just make sure you aren't overpaying by default.
“If I ended up in hospital tomorrow…”
With no emergency contact set, nobody can reach your policies, accounts or documents on the day it matters. Eterny keeps asking until you've named someone – and then stays quiet.
“I think there's an old pension somewhere.”
Add it once and it stays visible – with the beneficiary filled in, not left blank for years.
“Dad handled all of this.”
The people you choose can find what they need, at the moment they need it, without a search party.
It doesn’t just hold your life. It keeps an eye on it.
Most apps wait for you to remember. Eterny notices what’s missing, what’s about to expire and what no longer fits your life – and tells you early, in plain words, while there’s still time to do something about it.
Spots what's missing
A blank beneficiary, an unvalued home, a policy with no document.
Warns you early
Renewals and deadlines, weeks ahead – not the morning after.
Notices quiet drift
Cover that stopped matching what you actually own.
Keeps family ready
Flags the gaps that would hurt the people you love.
Ten minutes now. Peace of mind after that.
Step 1
Connect & organise
Link and store what matters in one complete view.
Step 2
Detect risk
AI flags missing details, upcoming renewals and gaps before they cost you.
Step 3
Protect & share
Give trusted family controlled access when it matters.
Built to be calm, not another thing to manage.
Everything you own, on one screen
Accounts, insurance, your home, crypto and documents side by side – in plain language, no spreadsheet, no jargon.
A nudge when it matters, silence when it doesn't
“Your home policy renews in 12 days.” That's the kind of message you get. Nothing else.
The papers you can never find, findable
Passports, deeds, policies, wills – encrypted, organised, and one search away when you actually need them.
Let your people in, on your terms
Give your partner, your kids or a trusted friend exactly as much access as you want. Revoke it any time.
Sample data. Files are encrypted on your device before upload.
Private by design – even from us.
You are about to hand one place your passport, your policies and what your family is worth. Eterny is built so that doing it doesn't require trusting us – we couldn't read any of it if we wanted to.
On your phone
What we store
- Passport – Anna8f3a·71c0·9db4·2e16
- Home insurance policyc40e·15af·77b9·d302
- Mortgage agreement2b71·ae95·0c38·f6d1
- Will & estate directive9d02·6b4c·e817·30fa
Encrypted on your device. The keys stay on your device. We hold the right-hand column and nothing else.
Encrypted before it leaves your phone
Your documents are scrambled on your device. What reaches us is a locked box, and the key never travels with it.
We can't open your documents
Not our engineers, not our support desk, not on request. We hold the locked version; you hold the key.
A machine reads them, never a person
The engine that spots your gaps runs automatically, on your device's view. Nobody at Eterny reads your files.
Two locks on your front door
Multi-factor sign-in and a device check every time you log in, and again on anything sensitive.
A safe way back in
Lose your phone and recovery runs through a phrase and the checks you set up in advance – not through a support agent who can be talked round.
We never sell your data
No advertising, no data broking, nothing shared without your explicit say-so. You pay us. That is the entire business model.
So your family never has to guess.
Choose the people you trust and decide what they can see, and when. They’ll be able to find what you built when they need it most – without you handing over your whole private life today.
You stay in control, always. Access can be changed or revoked any time.
The honest answers.
Can anyone at Eterny read my documents?
No person does. Your files are encrypted, and the engine that reads them to spot risks runs automatically, never a human. We never sell your data and never share it without your say-so.
What's free and what do I pay for?
Your documents, your trusted contacts and one connected bank are free, permanently. In a crisis your family needs access, and we're not putting that behind a paywall. You pay for the ongoing monitoring that finds risks and gaps, and for connecting more than one bank.
What if I stop paying?
Your vault stays open, your documents stay yours and your trusted contacts keep their access. You lose the alerts, not the safety net. And you can export everything, any time.
Do I have to connect my bank?
Only if you want to. Add things manually and you still get the full picture and the alerts. One connection is included; connect the rest when you want everything in one view.
Who can see my things if something happens to me?
Only the people you name, and only under the conditions you set. You choose who, what they see, and when it unlocks.
Is this complicated to set up?
Most people add their first few things in under ten minutes, then top it up as they go.
Who is building it.
We didn't design this from a whiteboard. We built it with notaries, lawyers and people who work inside banks and insurers, because getting this wrong costs families real money.
Jitka Paterová
Founder & CEO
Nobody can keep track of it all anymore. Your money sits with a dozen providers who each see one piece of it, and none of them sees the whole. That is how people end up paying for cover they don't have, missing a renewal that mattered, and leaving their family searching when something goes wrong. I built Eterny because none of that is anyone's fault, and all of it is fixable.
Dan Máslo
Co-founder & CPTO
Dan has spent eighteen years building products people use every day, and has taken several from an idea to a working business. He owns the vault and the engine: how your documents are stored, how they're protected, and how the system spots something worth telling you about. His rule is that privacy is a design input, never something we trade away for a feature.
Advised by
Richard Valtr
Founder of Mews
Cal Henderson
Co-founder of Slack
Vít Endler
Founder of FinGood
Around them: engineering, financial-domain, security and growth teams in Prague – small on purpose, senior on purpose.
The company we keep.
Every name here is a real, current relationship – stated, not implied.
Partnered with
Backed by
Start with one thing you keep meaning to sort.
Your documents, your trusted contacts and one bank connection are free, permanently. The monitoring is what you pay for – when you want it.
In the app, week one
Give a trusted contact emergency access to your Vault
RecommendationJul 11, 2026
No trusted contact currently has vault-wide access. Granting emergency access ensures your family can reach critical documents when it matters.
Vault