Comparison

Contingency Zero vs Memoa Vault

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Contingency Zero

This app helps you organize and secure important family information for emergencies. It allows you to create digital 'binders' for assets and share them with trusted contacts, ensuring your loved ones have access when they need it most.

Highlights
  • Zero-knowledge security architecture
  • Organize assets into customizable 'Binders'
  • Flexible sharing of specific binders or entire plan
  • Control access permissions (Read Only, Full Access)
  • Detailed version history for all entries
  • Step-by-step guidance through estate planning
Features
Read full description

Contingency Zero: My Emergency Preparedness App If something happened to you today, would your loved ones know how to access your important information? Contingency Zero gives you and your family peace of mind by solving one of life's most overlooked challenges. THE PROBLEM WE SOLVE In today's unpredictable world, unexpected events can strike without warning. When the unthinkable happens, families are often left dealing with emotional trauma while facing the overwhelming task of piecing together financial and legal information. Most people understand the importance of having a plan, yet few take action until it's too late. Traditional estate planning methods are often cumbersome, outdated, and fail to address the digital nature of our modern lives. A SECURE SOLUTION FOR MODERN ESTATE PLANNING Contingency Zero transforms how you prepare for life's uncertainties through a secure estate planning platform built with privacy at its core. Our innovative zero-knowledge system ensures your sensitive information remains private while allowing you to share access with designated trusted contacts. KEY FEATURES + Privacy & Security First Your information is protected with end-to-end encryption, ensuring only you and your designated contacts can access your data. Our zero-knowledge security architecture means that even we cannot see your private information. + Organize Your Life into Binders “Cars”, “Pets”, “Bank accounts” are some of your important assets. If something happened to you, you would like your survivors to know what they are, where they are, and what to do with them. We help you organize them into “Binders”. You can have as many binders as you want. Each binder has a name, a description, and a fixed binder type. For example, you could create two auto binders, one named “My Texas cars” and one named “My Florida cars”. You can even set a different icon to each binder. Binders help you organize your assets in a way that makes sense to you. + Flexible Sharing Options Share your complete estate plan or only selected binders with trusted contacts.  Choose exactly what to share and keep the rest private.  You can also enable automatic sharing so that newly added binders are shared with your trusted contacts without extra steps. + Control Access Permissions Decide how much control your trusted contacts have: Read Only – They can view your shared binders but cannot make changes. Full Access – They can add, edit, and delete binders and binder entries. Your information, your rules — share with confidence. + Detailed Version History Our version control system lets you update your information while maintaining a history of previous versions, ensuring nothing important is ever lost. + Intuitive User Experience The app guides you through the estate planning process step by step, making a complex task manageable through a clean interface. HOW IT WORKS Getting started with Contingency Zero is simple. Download the app and create your estate plan. The guided setup helps you organize information into the four binder categories. Once your information is securely stored, you can designate trusted contacts who will receive access to your estate plan. SUBSCRIPTION MODEL Contingency Zero is free to download and use for personal planning. When you're ready to share your Plan, simply subscribe to our affordable monthly plan. Only the sharing user needs a subscription; your trusted contacts can access the shared information through the free version. PEACE OF MIND IN AN UNCERTAIN WORLD No one likes to think about worst-case scenarios, but being prepared is one of the greatest gifts you can give your loved ones. Contingency Zero provides the security, privacy, and organization needed to ensure your family has access to critical information when they need it most. Download Contingency Zero today and take the first step toward protecting your legacy and providing peace of mind for yourself and those you care about most.

About

Memoa Vault

Securely document and track the value of your valuable possessions with AI-powered identification and market estimations. Organize your collection by category and monitor its net worth over time for insurance or estate purposes.

Highlights
  • AI item identification and market valuation
  • Track net worth and collection value
  • Organize items by custom collections
  • Secure, encrypted, and private storage
  • Documentation for insurance and estate planning
Features
Read full description

Memoa Vault is the private, encrypted platform for documenting significant physical assets — art, jewelry, watches, collector vehicles, and collections — for estate planning, insurance, and family legacy. Create structured records with AI-assisted identification, preserve provenance and family stories, track appraisals and insurance status, and share securely with your attorney, trustee, appraiser, or family office. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Contingency Zero4 screens
Memoa Vault4 screens

Verdict

The call

The clearest difference is ads: Memoa Vault at none against Contingency Zero's shown. Memoa Vault also leads on update cadence (every 4 days vs monthly). On price, rating, ratings volume and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Contingency Zero sells 4 in-app purchases, starting at $9.99 per month and Memoa Vault sells 4 in-app purchases, starting at $14.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Contingency Zero against 5.0 for Memoa Vault. Both are backed by a comparable volume of ratings — 2 and 2 respectively.

UpkeepUpdate frequency

Contingency Zero ships an update monthly, Memoa Vault every 4 days. The most recent releases landed on October 16, 2026 and October 15, 2026 respectively.

Scorecard2 real differences · 7 level
Contingency Zero versus Memoa Vault: the parameters behind the verdict, then further details
ParameterContingency ZeroMemoa Vault
PriceFreeFree
Rating5.0 (2 ratings)5.0 (2 ratings)
Number of ratings22
Update frequencyMonthlyEvery 4 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.615.1 — better
Further details — not scored
Size66 MB65 MB
Age rating17+4+
DeveloperNULIA.US Corp.Memoa Corp

Customer experience

Contingency Zero

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Memoa Vault

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

4 purchases

Contingency Zero

Subscriptions4
  • Monthly Subscription1 Month trial$9.991 Month
  • 3 Months Subscription1 Month trial$19.993 Months
  • 6 Months Subscription1 Month trial$29.996 Months
Show 1 more
  • 12 Months Subscription1 Month trial$39.991 Year
4 purchases

Memoa Vault

Subscriptions4
  • Vault Individual Monthly$14.991 Month
  • Vault Family Monthly$24.991 Month
  • Vault Individual Yearly$149.991 Year
Show 1 more
  • Vault Family Yearly$279.991 Year

Questions

Is Contingency Zero free?
Contingency Zero is free to download, with in-app purchases available.
Is Memoa Vault free?
Memoa Vault is free to download, with in-app purchases available.
Which has better reviews, Contingency Zero or Memoa Vault?
Contingency Zero and Memoa Vault are both rated 5.0 out of 5 on the App Store, from 2 and 2 ratings respectively.
Do Contingency Zero or Memoa Vault have ads?
Contingency Zero shows ads; Memoa Vault does not.
Which is updated more often, Contingency Zero or Memoa Vault?
Contingency Zero ships an update monthly, and Memoa Vault every 4 days. Most recently, Contingency Zero was updated on October 16, 2026 and Memoa Vault on October 15, 2026.

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