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

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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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