The present invention seeks to meet these needs by providing a password generation and retrieval system (PGRS) that generates encrypted passwords with a computer program using an algorithm that combines a website information such as a domain name or email address, the user's own text input or phrase, and the user's own numeric value or pin number. The present invention does not involve the maintenance of a database of any kind. As such, there is no login required and no records are kept of the visitors, their input or the passwords generated. Preferably, the process is carried out using a website, browser extension, smart phone application and/or a stand-alone executable program.