Pricing
Start free. Build from there.
The whole Payday system is free. Paid plans add more tools as you grow.
LOKD Free
START HERE$0
Everything you need to start.
- Run Payday
- NOW, NEXT, BUILD and FUTURE
- One goal
- Core learning and Money minute
- Basic Future You
- Streaks and progress
- One Coach
LOKD+
COMING SOONA$59.99 a year
About A$5.00 a month
More tools as you grow.
- Everything in Free
- Unlimited goals
- Payslip scanning and pay history
- Track spending against NOW
- Advanced lessons
- Advanced Future You, to age 60
- Extra frames and Home themes
- Weekly insights
LOKD Family
COMING SOONA$99.99 a year
About A$8.33 a month
Help them build the habit together.
- Up to three teens or young adults on one plan
- Each one gets LOKD+ on their own private account
- A Coach each
Compare plans.
| FEATURE | Free | LOKD+ | Family |
|---|---|---|---|
| Run Payday every payday | |||
| NOW, NEXT, BUILD and FUTURE | |||
| Goals | One | Unlimited | Unlimited |
| Lessons | Core | Advanced | Advanced |
| Money minute | |||
| Future You | Basic | To age 60 | To age 60 |
| Streaks and progress | |||
| Payslip scanning and pay history | — | ||
| Track spending against NOW | — | ||
| Weekly insights | — | ||
| Extra frames and Home themes | — | ||
| People on the plan | One | One | Up to three young people |
| Coaches | One | One | One each |
Paying for Family? You still see progress, not purchases.
Paying for a plan doesn't change what a Coach can see. The young person chooses what to share, and purchases, merchants and location are never shared.
How Coaching works →
Coming soon
Be first to get LOKD+.
Unlimited goals, payslip scanning, spending tracking, advanced lessons and more. Join the list and we'll tell you when it's ready.
Questions.
Is LOKD Free really free?
Yes. Payday, all four buckets, one goal, core learning, Money minute and one Coach cost nothing.
When do LOKD+ and Family launch?
LOKD+ is A$59.99 a year and LOKD Family is A$99.99 a year for up to three teens or young adults. Both will be available through the App Store and Google Play from [LAUNCH DATE].
Does LOKD hold my money?
No. Your pay stays in your own bank accounts, and LOKD doesn't need your bank password.
What can a Coach 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.
Is this financial advice?
No. LOKD helps you plan and learn. Projections are illustrative scenarios, not predicted returns.
Your first pay is just the start.
From first pay to first home.