Every dollar has a job

Make every payday count.

Get paid. Put your money to work. Save for what matters. Learn as you go.

Parent or guardian? See how LOKD helps →

NOWNEXTBUILDFUTURE

Try a Payday

You earned it. Give it a job.

Your first job brings payslips, tax, super, saving, spending and things you want to buy. Put in a pay and see what LOKD does with it.

No sign-up. Nothing saved. Just try it.

What landed in your account ($)

Your Payday Rule

FUTURE gets $20 first, then 40% NOW, 30% NEXT and 30% BUILD.

PAY LANDS

$196.00

FUTURE

$20.00

NOW

$70.40

$52.80

BUILD

$52.80

SAFE TO ENJOY

$70.40

An example only. In the app you set your own Payday Rule, and LOKD doesn't hold your money.

How Payday works

Get paid. Split it in seconds.

Set your Payday Rule once. LOKD helps you follow it every time you get paid.

Spend without the guilt

Know what's safe to spend.

Because saving money shouldn't mean feeling guilty every time you use it.

LOKD looks after the plan first, so NOW shows the money you've chosen to enjoy.

Save for the laptop. Still enjoy Friday night.

Safe to enjoy

$421.20

Until Fri 16 Oct

NEXT · First laptopCovered

BUILD · Long termCovered

FUTURE · Future YouCovered

Save for what matters

Save for what you want.

Laptop. Licence. Car. Travel. Moving out. First home.

Every goal shows your progress, what goes in each Payday, and when you'll be ready.

First laptopLicenceFirst carTravelMoving outFirst home

GOAL PLANNER

What are you saving for?

Goal amount ($)Into NEXT each week: $50 a week

NEW LAPTOP · READY AROUND

Sun 18 Apr

24 Paydays · about 6 months

25% of the waySun 13 Dec

50% of the waySun 24 Jan

75% of the waySun 7 Mar

Illustrative. Assumes the same amount every week and nothing taken out.

Start with your first laptop. You might be surprised where it leads.

Future You

Meet Future You.

Small amounts now. A big difference later.

Time does a lot of the heavy lifting. Pick a weekly amount and see how it could grow.

What if you started with…

IN 20 YEARS, IT COULD BE ABOUT

$34,389

You'd have put in $20,800.

$5,747

5 years

$13,081

10 years

$34,389

20 years

These are illustrative scenarios, not predicted returns. Assumes 5% a year, compounding yearly, before fees and tax. Not financial advice.

Learn as you go

Money makes more sense when it's your money.

What actually is super?

Why did tax come out?

What's actually on a payslip?

What happens when you tap to pay?

LOKD teaches you when the answer actually matters. Learn money without feeling like you're studying money.

MONEY MINUTE · 1 OF 3

0 XP

What actually is super?

Tap an answer. In the app it's one question a day, worth 15 XP.

1 minute questions
Short lessons
Payslip basics
Tax and PAYG
Super
Saving and interest
Borrowing
First financial decisions

BUILD THE HABIT

A good money habit starts every Payday.

Paydays in a row

$316

toward your goal

Money levels completed

A look inside

There's a lot inside LOKD.

Every screen here is from the app. Scroll sideways to explore.

Get started screen in LOKD — Get startedMake your first pay count.

Set your rule once screen in LOKD — Set your rule onceBalanced, Goal first, Builder or your own.

Meet Future You screen in LOKD — Meet Future YouSee what BUILD could become.

Build screen in LOKD — BuildLong-term money, made visible.

Learn screen in LOKD — LearnShort lessons matched to your age, a 12-week starter path and a new Read every month.

A lesson screen in LOKD — A lessonBefore your first job, in 3 minutes.

Your week screen in LOKD — Your weekA recap of what you did with your pay.

This week screen in LOKD — This weekThree new challenges every Monday.

Progress screen in LOKD — ProgressLevels, streaks and milestones.

Rewards screen in LOKD — RewardsEarned by habits. Never by spending.

Scan a payslip screen in LOKD — Scan a payslipRead on your phone, then deleted.

Scan a receipt screen in LOKD — Scan a receiptNothing is added until you confirm.

LOKD Family screen in LOKD — LOKD FamilyUp to three teens or young adults on one plan.

For parents and guardians

Give their first pay a head start.

A first job is one of the first times money becomes real. LOKD gives them a simple system to practise saving, spending, setting goals and thinking ahead, while the amounts are still small.

Support them. Don't supervise them.

Explore LOKD for parents →

See progress

Paydays completed, goal progress and learning.

Start better conversations

Something more useful to ask than "What did you spend your money on?"

Their money stays their business

They choose what you can see, and can change it any time.

You see progress. Not purchases.

Your money. Your data.

Built to respect both.

LOKD doesn't hold your money

Your money stays in your own bank accounts.

No bank password needed

LOKD starts as a planning and learning system.

Coaches only see what you share

Never purchases, merchants or location.

Documents aren't kept

Receipt and payslip photos are processed on your phone, then deleted. TFNs are ignored, never stored.

Good questions.

Is LOKD really free?

Yes. LOKD Free includes Payday, all four buckets, one goal, core learning, Money minute and one Coach. Paid plans are coming soon and are optional.

Does LOKD hold my money?

No. Your pay stays in your own bank accounts, and LOKD doesn't need your bank password.

What can my parents see?

Only what you choose to share: Payday completion, goal progress, learning and, if you want, bucket totals. Never purchases, merchants or location. You can remove access any time.

Who is LOKD for?

LOKD is designed for people aged 15 and up who are starting out with a first job. If you earn it, LOKD helps you give it a job.