For parents and guardians

Give them a financial head start.

Their first job could be the start of habits they keep for life.

Get LOKD for your familyWhat you'll see ↓

They're earning their own money. Help them learn what to do with it.

The goal isn't to make every decision for them. It's to help them build a system for making their own.

NOWNEXTBUILDFUTURE

What most parents tell us they want.

NEXT · GOALS

"I want them to save."

They pick goals they actually care about. Every Payday puts something toward them, and LOKD shows when they'll be ready.

A goal with progress and a ready-around date

LEARN · MONEY MINUTE

"I want them to understand money."

Short lessons on payslips, tax, super, saving and borrowing, shown when they become relevant. One quick question a day keeps it going.

A short lesson: Before your first job

BUILD · FUTURE YOU

"I want them thinking longer term."

Future You turns compounding into something they can see. Small amounts now, a big difference later.

Meet Future You: what BUILD could grow into

COACHING

"I don't want to spy on them."

You don't have to. As a Coach you see progress they choose to share, and get a better question to ask than "What did you spend it on?"

Coach settings: what they can see, with toggles

HOW COACHING WORKS

You see progress. They keep their independence.

THEY CAN CHOOSE TO SHARE

  • Payday completion
  • Goal progress
  • Learning progress
  • Bucket totals (optional)

NEVER SHARED

  • Purchases
  • Merchants
  • Location

ALWAYS THEIR CALL

  • They invite you
  • They change what you see
  • They can remove access any time

Built to respect their money and their data.

No money held

Pay stays in their own bank accounts.

No bank password

LOKD starts as a planning and learning system.

Documents not kept

Payslip and receipt photos are processed on the phone, then deleted. TFNs are never stored.

Positive by design

No shaming, no casino-style rewards. Progress, not pressure.

Help them build the habit together.

They download LOKD Free and invite you as their Coach. LOKD Family gives up to three teens or young adults every LOKD+ tool, each with a Coach of their own, and you run it.

Get LOKD for your familySee pricing

SEND LOKD TO YOUR TEEN

I found an app for your first pay. LOKD splits each pay into money to enjoy, goals and your future, and you choose what I can see. It's free: https://lokdmoney.com

Text it
  1. 1They download LOKD Free
  2. 2They set their Payday Rule
  3. 3They invite you in as a Coach