Please consider a secure and encrypted local file alternative like KeePass. The passwords on Excel files are so easily cracked they're not even considered passwords anymore, they're more like "momentary inconveniences". Google "excel password crack".The wife and I have many joint accounts for about everything we do on the web and keep a password protected XL file on our laptops and mobiles.
Evernote's encryption improved considerably when they moved their back end to Google Cloud, but the platform is still considered one of the least secure note-taking applications, and all of your data is stored in plain text while being indexed, and may (still) be accessible to Evernote employees.I use Evernote Free which is an encrypted file that is cloud based.
you can access it via the web on any PC. Love it, used it 20+ years.
Passwords need to go away as a primary form of identification...!
One alternative is "continuous authentication".
I was at a CISO conference in San Diego last year - the CISO of Aetna was presenting on their new technology to authenticate their users without bothering them with passwords and PINs.
When you're using their website, they are tracking about 30 different elements about you. Typing speed, mouse movements, IP address, location, time of day, pages visited... When you're using their mobile app, it's no less than 60 elements. The angle you hold the phone, biometrics, other apps installed,...
They know it's you without you having to do anything different.
Other technologies in play are FIDO2 and WebAuthn, coming to an Android near you. https://www.wired.com/story/android-passwordless-login-fido2/