The Digital Lockout Calculator

If something happened to you tomorrow, how much would your family lose to locked accounts? Two minutes, honest estimates, no passwords asked for, ever.

Financial accounts

Banks, super, share platforms, PayPal, insurance portals, BNPL, everywhere money lives online.

Active subscriptions

Streaming, music, apps, software, storage, memberships. The average Australian carries 12+.

Cryptocurrency & digital value

Rough total across exchanges, wallets, meaningful loyalty points and gift-card balances.

None Under $5K $5K-$25K $25K-$100K $100K+

The irreplaceables & the safety nets

My photo library lives mainly in the cloudiCloud / Google Photos as the only full copyYes

I run a business or freelanceAccounting, domains, payment gateways, client dataYes

Google Inactive Account Manager is set upYes

An Apple Legacy Contact is setYes

Someone I trust could unlock my phoneYes

A written, current account inventory existsYes

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estimated first-year cost of a digital lockout

…Top band is the gold standard

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Subscription bleed while the estate is sorted (first year)

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Estimated hours of executor admin without a plan

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Digital value at risk of being stranded

Get your full breakdown, free

We'll email your personalised results with the exact free checklists that close each gap: the 47-Account Inventory, the Readiness Scorecard and the Executor's Guide.

Estimates only, based on Australian averages and NYLK research (2026): typical subscription leakage ≈ $200/month across 12+ services; executor administration of unplanned digital estates commonly runs to dozens of hours per major account cluster; self-custodied crypto without an access design is treated as fully at risk. This tool stores nothing and asks for no passwords. General information, not legal or financial advice.

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