a little while back i created this cipher program to generate ciphered text from a couple clear text sources plus some mutation values. Its not cryptographicaly secure, but then that is not its purpose. It just allows you to keep some clear-text reminders somewhere then bring them together to generate your password for whatever. I don't use it yet as i still want to add a "user seed key" that is separate so that even if someone used your clear text, they still couldnt get your passwords cause they lacked your user seed key. I also want to add the ability to restrict specific special characters from the output, just havent gotten a round-tuit yet.
Anyway, its the best i've come up with that obviates memorization.