How I Manage My 50+ Online Account IDs


Last year I did a quick post on my many online accounts.  I have more than 50 account IDs, associated passwords, and other information on an Excel file maintained in Google Docs.  After reading this post at Cash Money Life I thought I’d expound a bit on what’s included in my file and why.

My Basic Setup

I use Google Documents to house a nine column Excel file, shared only with Mrs. PT.  The file contains the following information on more than 50 accounts:

  • Account Name
  • Credit Limit
  • Type
  • Payment Due Date
  • UserID
  • Password
  • AutoPay Info
  • Online Statement
  • Email

Check out this screen capture to see some of the accounts I’m tracking.


Balance Security and Accessibility

I use three different computers throughout the day.  My laptop at work, my desktop at home, and occasionally, Mrs. PT’s laptop.  I need to be able to access my account information from these computers on the fly.  Having the file in an online repository (Google Documents) allows me to do so from any computer in the world.

In addition, by giving Mrs. PT Google Document access, she can access the IDs when she needs to.  If something were to happen to me, she’d have all our login information in one spot and instantly be able to handle all our accounts.

It’s also secure.  This from Google’s Help info:

Rest assured that your documents, spreadsheets and presentations will remain private unless you publish them to the Web or invite collaborators and/or viewers. Once you’re logged in, you can grant access to whomever you’d like. Until then, your documents, spreadsheets and presentations are private.

Include the Key Information

Beyond the basics, userID and password, I include the following other categories in my sheet:

  • Payment Due Date – By including this date, on accounts that are applicable, I can quickly sort the sheet and have a payment schedule.
  • AutoPay – Here I include “yes” or “no”, and explain how the account is setup (e.g. “pulled from bank account x”)
  • Online Statement – Again, I include “yes” or “no” so I know which accounts I’ve gone green on.  This allowed me to focus on changing over the one’s that are still “No’s”.
  • Email – Lastly, I include the email address associated with the account so I’ll know where the online statement is headed.  This was also done so I could focus on getting all my accounts moved towards one email address.

So that’s my setup.  Not too fancy, but I think it has it’s advantages and gets the job done.  Do you have a better way? How do you organize all of your IDs?

Photo: by Kaptain Kobold

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Last Edited: July 24, 2017 @ 2:32 pmThe content of is for general information purposes only and does not constitute professional advice. Visitors to should not act upon the content or information without first seeking appropriate professional advice. In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site.
About Philip Taylor

Philip Taylor, aka “PT”, is a CPA, financial writer, podcaster, FinCon Founder, husband, and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or Google+. Listen to the new podcast, Masters of Money!


  1. online fx trading says:

    It seems unsecure but i decided to go for it.wish me a good luck.:-)

  2. @Ben and All – I’ve since removed the Google Doc. I just didn’t use it that much. Plus, my company just bought me a jump drive. I’m going to place it on that secured. Thanks for the comments.

  3. All About The Ben says:

    Still seems unsecure to me. How about a USB drive with KeyPass? Attach the USB stick to your keychain. Or do you have a SmartPhone or PDA phone? Use the password manager software on the phone and sync to your PC for a backup.

  4. I second the KeePass comment. I use KeePass and I also have the KeePass file on an encrypted flash drive, which may be going a bit over the top. 🙂

    I have nothing specific to gripe about with Google, but I have been in the software industry for over 10 years, and the stuff I’ve seen people do over the years is enough to make me wary about putting ANY financial info on the web…

    BTW: Does anyone else thing 50 accounts is A LOT?! Just curious…

  5. Bernard Ng says:

    I too had too many online account id to remember… until I bought RoboForm.. a auto form filler as well as a password manager software. It remembers all the id/passwords of all my online accounts and automatically fill in the field and login for me when I went to the specific website. It’s a breeze.
    I have it on a thumbdrive and I carry it along with me.

  6. @ Justin – 2 options for you:

    1. use an encrypted jump drive.
    2. keep the Google Docs method and always put a standard false digit in your passwords when you list them for storage (e.g. change the last digit by 1)

  7. My concern is believing, on face value, the truthfulness of Google’s reassurment.

  8. I like your method. I have used Google Docs before. I was actually planning on using KeePass, which is a free encrypted tool for tracking your info.

    I have a couple other documents that might be good to use Google Docs for. I will look into this and give it a try. 🙂