Password Security – Storage, Password Managers & TOTP
Living topic: This information may be updated as applications, features, prices and security practices change. The individual recommendations may evolve, but the core principles should remain relevant: use unique credentials, store them securely, enable additional authentication where possible, and maintain a recovery plan.
This topic expands on the earlier discussion:
2024 – General Account Security – Passwords & 2FA
That topic contains additional information about two-factor authentication, password managers and my later testing of Aegis Authenticator.
The related blog article can also be found here:
2FA & General Account Security
Some information in those earlier posts may eventually need updating as the applications and available features change. This topic will focus more specifically on passwords, password storage, password managers and applications that can generate TOTP authentication codes.
Further posts will cover subjects such as:
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Password-manager backups
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Authenticator backups
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Recovery codes
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Losing or replacing a phone
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Losing a master password
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Emergency access
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Business password management
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Passkeys and hardware security keys
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Testing your recovery process
This first post is the main guide.
TLDR
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Do not use the same password for multiple accounts.
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Do not use predictable variations such as
P@55W0rd_FacebookandP@55W0rd_Twitter. -
Long, unique passwords are more useful than predictable character substitutions.
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Do not keep important passwords in an unsecured Notepad, Word, Excel or phone-notes file.
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A physical password book is not automatically unsafe, but it can be lost, stolen, damaged or found beside the device it unlocks.
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Browser password managers are suitable for many ordinary users and are much better than password reuse.
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Dedicated password managers provide greater flexibility across browsers, platforms and, in some cases, desktop applications.
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Not every password manager generates TOTP authentication codes.
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Protecting a password vault with MFA and generating MFA codes for other accounts are two different features.
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Free, subscription, lifetime-payment, cloud-hosted, local-first and self-hosted options are available.
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The best solution is not necessarily the most expensive or technical one. It is the one you understand, maintain, back up and actually use.
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Everything normally appears fine without proper security—right up until something goes wrong.
Users and Security Have Not Evolved at the Same Rate
The online world has changed considerably, but many users’ security habits have remained largely the same.
Data breaches, phishing, credential theft, malware and social engineering are no longer unusual events. Despite that, many people still use passwords such as:
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Password01 -
Changemenow -
P@55W0rd -
A pet’s name
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A child’s name
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Their username
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Their username followed by a number
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Their telephone number
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Their date of birth
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Their business name
Some create one basic password and add the service name:
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P@55W0rd_Facebook -
P@55W0rd_Twitter -
P@55W0rd_Gmail
This may appear to give every account a different password, but the pattern is predictable. Once one password is exposed, the others are not particularly difficult to work out.
Replacing a with @, s with 5, i with 1, or o with 0 does not automatically create a strong password. These substitutions have been used for decades and are already accounted for by password-cracking tools.
Modern guidance places greater importance on:
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Length
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Uniqueness
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Unpredictability
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Avoiding known compromised passwords
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Not reusing credentials
A long, randomly generated password does not need to be remembered by the user when it is stored in a properly protected password manager.
You should ideally remember only the strong master password used to unlock the manager.
Where Are Your Passwords Stored?
Choosing better passwords is only part of the solution. You also need somewhere safe and reliable to keep them.
Some people still write passwords in a notebook or diary. Others store them in:
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Notepad
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Microsoft Word
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Microsoft Excel
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Phone notes
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Email drafts
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WhatsApp messages
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Cloud-storage folders
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Files conveniently named
Passwords.txtorPasswords.xlsx
These storage methods are not all equally risky.
Physical password books
A physical password book cannot be remotely extracted by malware. A notebook stored securely at home may be safer than using the same password for every account.
However, the book can still be:
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Lost
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Stolen
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Damaged by water
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Destroyed by fire
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Accidentally discarded
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Read by someone else
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Left behind during travel
There is also an obvious problem when the password book is carried in the same bag as the phone or laptop it unlocks. Someone who steals the bag may receive both the device and its passwords.
A physical book is therefore not automatically insecure, but its physical security and recovery plan must be considered.
Unprotected electronic files
Plaintext files introduce a different set of risks.
Anyone who gains access to the computer may be able to open, copy or photograph the information. Malware may search local storage for credentials. Cloud-synchronization software may upload the file to other devices. The file may also unintentionally appear in backups, shared folders or email attachments.
Naming the file Passwords.xlsx does not improve the situation.
Recent versions of Microsoft Word and Excel can encrypt documents with a password, but they still were not designed specifically for credential management. They generally do not provide the same password generation, login matching, TOTP generation, breach warnings, browser integration, secure sharing or organizational features as a proper password manager.
A second copy is also not automatically a proper backup.
Three unprotected copies of a password spreadsheet on three USB drives are still three unprotected copies.
What Does a Password Manager Do?
A password manager stores credentials inside an encrypted vault or database.
Depending on the application, it may also:
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Generate long and random passwords
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Store usernames and passwords
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Fill website login forms
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Fill supported mobile applications
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Fill traditional desktop applications
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Store credit-card details
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Store identities and addresses
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Store secure notes
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Store software licence information
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Detect reused passwords
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Warn about exposed credentials
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Generate TOTP authentication codes
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Store passkeys
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Synchronize between devices
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Share credentials securely
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Provide emergency access
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Maintain password history
You do not need every available feature.
An ordinary user may only need secure password generation, synchronization and autofill. A technical user may want a locally managed database, custom fields, browser integration, TOTP generation and private LAN-only synchronization.
A business may require central administration, shared vaults, access control, employee offboarding and emergency-access procedures.
There is no single solution that is ideal for everyone.
Browser Password Managers
Applications such as Google Chrome, Microsoft Edge, Firefox and Safari include password-management features.
For many ordinary users, these are perfectly reasonable starting points.
If the realistic choice is between:
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Reusing
Password01everywhere, or -
Allowing the browser to generate and save a unique password,
the browser password manager is the considerably better option.
Google Password Manager
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Generate and store passwords
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Store passkeys
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Synchronize through a Google account
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Fill websites in Chrome
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Fill supported Android applications
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Check for some compromised credentials
Its functionality extends beyond websites on Android and supported mobile platforms. However, on a Windows desktop it remains strongly connected to Chrome and web-based logins.
It is not intended to fill arbitrary traditional Windows applications such as:
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Older accounting programs
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Pharmacy-management systems
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Desktop trading applications
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Specialist business software
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Locally installed administrative tools
Google Password Manager is also not a general-purpose TOTP authenticator. Google provides Google Authenticator separately for that purpose.
Browser managers are not useless or automatically insecure. Their main limitation is that they may not cover everything a user needs outside the browser or its associated ecosystem.
Dedicated Password Managers
A dedicated password manager normally provides broader browser, device and platform support.
Depending on the product, it may also support:
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Windows application logins
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Secure notes
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Credit cards
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Identities
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TOTP generation
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Local synchronization
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Self-hosting
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Emergency access
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Password sharing
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Family or business vaults
Some are free. Some require subscriptions. Some offer lifetime licences. Others allow users to manage the encrypted database themselves.
The correct choice depends on what you use and how much responsibility you are willing to accept.
Online, Local-First and Self-Hosted Options
These terms are often mixed together, particularly outside technical discussions.
Vendor-hosted
The password-manager provider operates the synchronization service. Your encrypted vault is synchronized through its infrastructure.
This is normally the easiest arrangement for ordinary users.
Cloud-synchronized database
An encrypted password database is stored in a service such as:
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Google Drive
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Microsoft OneDrive
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Dropbox
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Nextcloud
The cloud provider stores the encrypted file, while the password-manager application opens and manages its contents.
Locally synchronized
The encrypted database is synchronized privately between devices using tools such as:
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A network-attached storage device
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A local server
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Other LAN or Wi-Fi synchronization tools
The database does not necessarily need to leave the user’s local network.
Local-only
The database remains on one device or is moved manually between trusted devices.
This provides greater local control but places more responsibility on the user to maintain backups.
Self-hosted service
The user or business operates the password-manager server on its own:
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VPS
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Virtual machine
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Physical server
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Private cloud
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Local infrastructure
Bitwarden is an example of a password-management service that can be self-hosted.
For KeePassXC, I will generally use the terms local-first or self-managed. It does not require a password-management server, although its encrypted database can be synchronized using whatever method the user chooses.
Avoiding a subscription does not necessarily mean giving up synchronization.
Password Managers and TOTP
This is where the terminology becomes confusing.
When someone says that a password manager “supports 2FA,” that can mean two different things.
1. MFA protects the password manager
The password manager requires an additional code, security key or approval before allowing access to the vault.
This protects the password manager itself.
2. The password manager generates TOTP codes
The password manager stores the TOTP secret for another website and generates the rotating six-digit authentication code.
This allows the password manager to function as both:
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The password vault
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The authenticator for supported accounts
These are two separate capabilities.
A product may support MFA for its own vault without generating TOTP codes for other websites.
Should Passwords and TOTP Codes Be Kept Together?
There are two reasonable positions.
Keeping them together
Storing the password and TOTP information in the same password manager is convenient.
The manager may:
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Fill the username
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Fill the password
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Generate the TOTP code
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Copy or fill the code automatically
This is still considerably better than using no MFA at all. It protects against password reuse, basic credential theft, many database breaches and numerous automated attacks.
Keeping them separate
The traditional purpose of a second factor is to require something separate from the password.
When the password and TOTP secret are stored in the same vault, anyone who gains complete access to that unlocked vault may obtain both.
A separate authenticator preserves greater separation.
For especially important accounts, such as:
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Primary email
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Password-manager accounts
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Financial services
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Business administration
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Server management
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Cloud infrastructure
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Domain administration
it may be preferable to keep the TOTP code in a separate authenticator or use a phishing-resistant method such as a passkey or hardware security key.
There is no need to treat this as an all-or-nothing decision.
Some accounts can use integrated TOTP for convenience, while more sensitive accounts remain in a separate authenticator.
Password-Manager Options
The products below are not the only available password managers. They are included because they represent several different approaches and payment models.
Prices and features can change, so check the official pages before purchasing or migrating.
Google Password Manager
Suitable for:
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Ordinary Chrome users
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Android users
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Users who primarily access websites
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Users who currently reuse passwords
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Users who want something already built in
Advantages:
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Free
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Integrated with Chrome and Android
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Password generation
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Password synchronization
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Passkey support
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Website and supported mobile-app autofill
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No additional application required for basic use
Limitations:
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Strongly tied to the Google ecosystem
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Limited use with traditional Windows desktop applications
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Not a general TOTP generator
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Fewer advanced organizational and sharing options than dedicated managers
For many ordinary users, Google Password Manager is enough. It is certainly better than memorizing and reusing one weak password.
KeePassXC
Official website
Downloads
Documentation
User Guide
Suitable for:
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Technical users
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Privacy-focused users
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Users who want local control
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Users avoiding recurring subscriptions
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Users who want to choose their own synchronization method
Advantages:
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Free
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Open source
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Local-first
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Encrypted KDBX database
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Browser integration
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Password generation
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TOTP generation
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Custom fields and secure notes
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Auto-Type for many desktop applications
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User-controlled synchronization
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No mandatory vendor account
The database can be:
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Stored locally
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Copied manually
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Stored in encrypted cloud storage
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Synchronized using Syncthing
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Synchronized using Resilio Sync
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Synchronized through a NAS or local server
KeePassXC itself is available for Windows, Linux and macOS. Compatible KeePass applications are required to open the same database on Android or iOS.
Possible mobile applications include:
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KeePassDX
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KeePass2Android
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Strongbox
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KeePassium
Limitations:
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More technical setup
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The user is responsible for synchronization and backups
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Mobile use requires a compatible third-party application
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Auto-Type may require configuration
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Card storage is possible through fields and notes, but it is not as polished as dedicated card and identity forms in some commercial products
KeePassXC is my main recommendation for someone who wants a free, flexible and privacy-focused solution and is prepared to manage it properly.
Bitwarden
Official website
Password-manager plans
Bitwarden Authenticator
Integrated Authenticator
Self-hosting documentation
Suitable for:
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Users wanting a dedicated cross-platform manager
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Users wanting a useful free tier
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Users wanting a reasonably priced paid option
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Individuals, families and businesses
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Technical users interested in self-hosting
Advantages:
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Useful free password-manager tier
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Works across major browsers and platforms
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Password and passkey storage
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Card and identity storage
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Secure notes
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Password generation
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Vendor-hosted synchronization
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Self-hosting available
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Family and business options
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Separate Bitwarden Authenticator application
Bitwarden currently has two different authenticator arrangements:
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Bitwarden Authenticator is a separate mobile application that can generate TOTP codes.
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Integrated TOTP generation inside Bitwarden Password Manager is a paid feature.
This distinction is important when comparing the free and paid options.
Bitwarden is one of the easiest general recommendations for someone who wants more flexibility than a browser manager without paying a high recurring cost.
Self-hosting is available, but operating a password-management server also creates maintenance, update, backup and security responsibilities.
RoboForm
Official website
Personal plans
User manual
Windows application logins
RoboForm TOTP Authenticator
RoboForm was one of the earliest password managers to achieve widespread commercial use and has been developed since around 2000.
Suitable for:
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Ordinary users
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Users wanting convenience
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Users with many online forms
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Users who store identities and card information
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Users who need Windows application login support
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Users who want integrated TOTP generation
Advantages:
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Strong website autofill
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Identity and address filling
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Card storage
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Password generation
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Cross-platform synchronization
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TOTP generation
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Windows application logins
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Secure sharing
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Emergency-access options
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Family and business plans
RoboForm is likely to be one of my first recommendations for an ordinary user who wants a polished solution and does not want to manage databases, synchronization tools or local infrastructure.
It is particularly relevant when the user must enter credentials into both websites and traditional Windows applications.
The main consideration is that full cross-device use and advanced functionality are generally subscription-oriented.
Sticky Password
Official website
Features
Lifetime licence
Local Wi-Fi synchronization
Protecting the vault with 2FA
Suitable for:
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Users who prefer a one-time purchase
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Users who want local synchronization
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Users who want card and identity filling
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Users who want desktop-application support
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Users who do not want to depend entirely on cloud synchronization
Advantages:
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Subscription and lifetime-payment options
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Cloud synchronization
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Local Wi-Fi synchronization
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Local-only operation
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Password generation
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Card storage
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Form filling
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Application login support
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Portable Windows version
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MFA protection for the Sticky Password vault
Sticky Password gives users more synchronization choices than many ordinary cloud-based managers. The encrypted database can be synchronized through the provider, over the local network, or kept only on selected devices.
I have a lifetime licence and used Sticky Password previously.
At the time of writing, I have not found official confirmation that Sticky Password can generate third-party TOTP codes for other websites. Its documented two-factor authentication feature protects access to the Sticky Password vault itself.
That distinction may be important for users who specifically want their password manager to generate authentication codes.
Norton Password Manager
Suitable for:
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Users already familiar with Norton
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Users wanting a free basic password manager
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Users primarily managing websites
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Users wanting password and card autofill
Advantages:
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Available as a free standalone password manager
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Also included with Norton products
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Password generation
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Password synchronization
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Website autofill
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Card storage
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Encrypted online vault
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Familiar brand for many non-technical users
Limitations:
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Cloud-oriented
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Limited traditional Windows application support
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No established integrated third-party TOTP generator
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Less flexible than KeePassXC, Bitwarden or RoboForm for advanced use
I would consider Norton Password Manager a valid basic option, particularly for someone already comfortable with Norton. It would not necessarily be my first recommendation for a technical or privacy-focused user.
Authenticator Applications
A password manager and an authenticator do not have to be the same application.
For ordinary users, Duo Mobile, Authy, Google Authenticator, Microsoft Authenticator or whichever reputable application they already understand may be sufficient.
The important questions are:
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Can the authenticator be backed up?
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Is the backup encrypted?
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Can accounts be exported?
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Can accounts be restored to a replacement phone?
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Does the user know the backup password?
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Are recovery codes stored somewhere safe?
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What happens if the phone is lost today?
Aegis Authenticator
Official website
My earlier Aegis review and screenshots
Aegis is currently my preferred Android authenticator.
Advantages include:
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Encrypted vault
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Password or biometric protection
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Encrypted exports
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Automatic backup support
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Import from several other authenticators
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Flexible organization and display options
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Individual-account sharing through QR codes
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Local control
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No mandatory authenticator-provider account
Aegis is Android-only.
I personally use both Aegis Authenticator and KeePassXC.
Some TOTP entries are kept specifically in Aegis. Others are duplicated in KeePassXC where desktop access, easier transfer or additional recovery options may be useful.
Duplicating a TOTP secret improves availability, but it also means that every copy must be protected. This should be a deliberate choice rather than something done without understanding the consequences.
Authy
Official website
Authy Desktop end-of-life notice
Authy remains a familiar option for many users and provides encrypted mobile synchronization and backup.
However, Authy’s desktop applications for Windows, Linux and macOS reached end of life on March 19, 2024.
It should now be considered primarily a mobile authenticator.
Users must also remember and securely store the password used to encrypt their Authy backups. Authy cannot simply reveal that password if it is forgotten.
Duo Mobile
Official website
Third-party TOTP accounts
Duo Restore
Duo Mobile is widely associated with business, school and organizational authentication, but it can also generate standard TOTP codes for personal third-party accounts.
It may be a reasonable choice for someone who already uses Duo through work or another organization.
Backup and recovery must be configured beforehand. Third-party accounts cannot simply be exported from Duo, and Duo Support cannot reconstruct them without an appropriate backup or reprovisioning process.
Recommendations by User Type
The ordinary browser-based user
Start with Google Password Manager or another reputable manager already built into the browser or device.
The immediate goal should be to stop password reuse and begin generating unique credentials.
The ordinary user wanting a dedicated manager
Consider Bitwarden or RoboForm.
Bitwarden offers a strong free starting point and reasonably priced upgrades. RoboForm offers excellent convenience, form filling and Windows application support.
The privacy-focused or technical user
Consider KeePassXC.
You control the encrypted database, storage location, synchronization system and backup process.
The user who wants a one-time payment
Consider Sticky Password.
It offers a lifetime licence and several synchronization choices, including local Wi-Fi synchronization. Be aware of the apparent lack of integrated third-party TOTP generation.
The Android user wanting a separate authenticator
Consider Aegis Authenticator.
It provides strong local control, encrypted exports and flexible backup options.
The user who needs Windows application logins
Consider RoboForm or Sticky Password.
KeePassXC Auto-Type may also work, but it requires more setup and may not be as straightforward for an ordinary user.
The business user
Use a centrally managed business password system wherever possible.
Business credentials should not depend entirely on one employee’s personal password vault, personal email account or personal phone.
The organization should consider:
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Credential ownership
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Access control
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Secure sharing
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Employee departures
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Emergency access
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Shared service accounts
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Recovery information
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Backup responsibility
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Administrative logging
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MFA requirements
Business password management will be covered separately.
Security Still Requires User Responsibility
A password manager improves security, but it does not remove personal responsibility.
A secure vault can still be undermined by:
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A weak master password
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An unlocked computer
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Malware
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Unprotected exports
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Missing backups
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Poorly stored recovery codes
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Sharing the master password
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Ignoring security warnings
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Approving unexpected authentication requests
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Failing to update devices and applications
Companies and service providers also have a responsibility to secure their infrastructure. However, users remain responsible for how they create, store, share, back up and recover their own credentials.
Bad actors (malicious persons) have evolved.
The tools used to steal accounts have evolved.
The amount of personal and business information stored online has increased.
Users need to evolve as well.
Yes, unique passwords, password managers, MFA, recovery codes and encrypted backups can be inconvenient.
Everything normally appears fine without them—right up until something goes wrong.
That is usually when the words “if only…” appear.