So your kids will have a clue.

When nothing can be found, your children have to work out what you owned, one letter at a time. Legacy Locker gets the record ready now, while you can still tell them about it.

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At a kitchen table, an older person holds a document flat while their adult child photographs it with a phone.

What happens when nothing can be found

  1. Your children have to work out what you owned, one letter at a time. There can be dozens of organisations to contact, up to 37 for one estate: banks, super funds, share registries, insurers and utilities.

  2. Small parcels of shares can cost more to trace than they are worth, so they are often left behind.

  3. Every account they don't know about stays where it is.

Money that nobody finds becomes money that nobody claims. About A$2.7 billion from old bank accounts, shares and insurance policies is waiting to be claimed in Australia. Source: ASIC

The Executor's Ledger

The list every executor is asked for, built while everyone is still around to help.

When someone dies, the executor must produce a list of everything they owned. The lawyer, the court, the banks and the super funds all ask for it, and the family rarely knows. Legacy Locker builds it from the family's own papers, years before it is needed.

  • Everything they own, in one list.

    Every shareholding across every share registry, every super fund and its nomination, every policy, property and bank account.

  • Each line marked for what it is.

    Confirmed from a document, worked out (such as shares from a company that later split in two) or still open. The reasoning is shown on every line that was worked out.

  • It asks what an executor never could.

    “We found AMP shares from 1998 but nothing since. Do you still have them?” Each answer is recorded as the family's own, with the date.

  • Ready to hand over.

    A printed ledger for the executor, the lawyer or the accountant, with each line's source document and the date of its last known value.

Margaret Whitfield's ledgerSample

Three lines from a made-up family's ledger, one of each kind.

  • Kestrel Bank Limited

    Confirmed

    850 shares

    Holding statement dated 31 March 2026.

  • Larder Supermarkets

    Worked out

    1,200 shares

    Nobody photographed a paper from this company. A 2018 holding statement shows 1,200 Tasman Diversified shares, and in November 2018 its shareholders received one Larder Supermarkets share for each share held.

  • Safe custody packet

    Open

    Contents not known

    Margaret's notebook, July 2026, says papers are held in safe custody. It does not say what they are.

Being built with our pilot families now, ahead of a wider release in early 2027.

The Estate Readiness Score

How ready the papers are, as a number.

Margaret Whitfield's scoreSample

73out of 100Grade A

Three things would lift this family to 89.

  1. Coastal Super's statement shows the binding nomination lapsed on 9 May 2025. Coastal Super can confirm what is on file now.
  2. Tell us who is in Margaret's family: spouse or partner, any former spouse, children. Or tell us there is no one.
  3. There is no home insurance among the papers for 12 Banksia Crescent, Kew. Photograph the policy, or tell us who insures it.

The score asks one question. If the time came tomorrow, how ready are the papers for the lawyer who handles the estate?

It checks that every kind of asset is accounted for, that nothing has lapsed, how much of the ledger is confirmed, and that an executor is named and the original will can be found. It rises as papers go in and questions are answered, and drops when something lapses.

Every point comes from a document, an answer or a date, and you can tap the score to see which. It measures the paperwork, never the will itself.

Being built with our pilot families now, ahead of a wider release in early 2027.

What the locker does today

This is what pilot families use now, and it is how the ledger gets built: every paper that goes in adds to it.

  1. Your son or daughter photographs each paper.

    At your kitchen table, with a phone. Or they upload PDFs and files you already have. Nobody types anything in.

  2. The locker reads it and files it in the right drawer.

    The drawers sit under these headings: Estate and money; Home, vehicles and valuables; Everyday arrangements; Personal and family.

  3. It flags the dates that have lapsed or are coming up.

    For example: a super nomination that has expired, or an insurance policy due for renewal.

  4. Ask it a question, like “when does the car insurance renew?”

    It answers with the document the answer came from. For now only you can open your locker.

How your documents are kept safe

These are your will, your statements and your titles. This is how they are locked, and how you can check who has opened them.

  • Encrypted from day one.

    Every document is encrypted on its way in and while it is stored. Encryption scrambles a file so that it cannot be read without a key, and your account has its own key that no other account shares.

  • Opened only to be read.

    To file a document, the locker opens it on its own servers in Australia, where a private AI reads it. The AI service does not keep your documents once it has finished with them, which is within minutes, and it does not learn from them. The locker also opens a document to show it to you and to answer a question you ask.

  • A password alone never opens your locker.

    Every sign-in needs a second step that only you can do: a code from an authenticator app on your phone, or Face ID, fingerprint or Windows Hello. Someone who learned your password would still be stopped at the second step.

  • Everything that happens in your locker is written down.

    Every sign-in, every rejected sign-in code, and every document uploaded, opened, moved or deleted goes into an activity log, with the date, the time and the internet address it came from. You can read the log at any time, so you would see it if anyone but you had been in.

  • The family owns it.

    Nothing is shared without the owner's say. Today a locker has one owner, and only that person can open it.

  • Checkable, never guessed.

    Every answer shows the document it came from, and every date the locker flags shows the paper it is on. A paper the locker is not sure about is held for you to check.

What the locker will never do

Four things it does not do, so there is no doubt about what it is.

  • Change a document. It reads what you give it and files it. The original is never altered.

  • Contact a bank, a fund, a registry or anyone else. It never writes to anyone on your behalf.

  • Give advice. It tells you what the documents say and which dates have passed. It never tells you what to do about them.

  • Release anything on its own. Nothing leaves the locker unless the owner opens it.

The drawers

Each document is filed where you would look for it. The drawers sit under the same headings in the locker.

  • Estate and money

    Wills and Estate Planning
    Wills, powers of attorney, advance care directives, funeral plans.
    Superannuation
    Super statements and death benefit nominations.
    Investments
    Share holding statements, managed funds, term deposits.
    Banking and Debts
    Bank and credit card statements, loans, mortgages.
    Tax
    Tax returns, ATO notices of assessment, accountant letters.

  • Home, vehicles and valuables

    Property
    Certificates of title, rates notices, leases, home and contents insurance.
    Vehicles
    Registration, insurance and finance for cars, caravans, boats and motorbikes.
    Valuables and Heirlooms
    Jewellery, art and antiques: valuations, receipts, photographs.

  • Everyday arrangements

    Life and Income Insurance
    Life, TPD and income protection insurance held outside super.
    Utilities and Household Bills
    Electricity, gas, water, phone and internet bills.
    Subscriptions and Memberships
    Streaming and software subscriptions, gym and club memberships.
    Travel
    Tickets, bookings, travel insurance, frequent flyer statements.
    Pets
    Council registration, microchip and vet records, pet insurance.

  • Personal and family

    Health and Medical
    Medical records, medication lists, Medicare cards, private health insurance.
    Donations and Giving
    Donation receipts and regular giving arrangements.
    Identity and Personal
    Passports, birth and marriage certificates, driver licences.
    Family Archive
    Old photographs, letters and family records worth keeping.

Alongside the lawyer, never instead of one

Legacy Locker doesn't write wills, refer anyone or give legal or financial advice. It works alongside the lawyer, the trustee or the service handling the estate.

When the time comes, they start with the Executor's Ledger: a list of what exists and where it is, with the document behind each line, laid out the way a lawyer needs it for the statement of assets and liabilities. Instead of a drawer, they start with a list.

Being built with our pilot families now, ahead of a wider release in early 2027.

What is coming next

Two things the pilot is building towards. Neither exists yet, and the page will say so until they do.

  • The key

    Coming

    One named person, chosen by you, who can open the locker when it is needed and not before.

  • Handing the ledger to the executor

    Coming

    The Executor's Ledger passed to the person handling the estate, with the document for each line.

Founding price for pilot families

A limited number of pilot families get the founding price.

  • Early adopter price

    For pilot families. One locker, for both parents' papers.

    A$159 a year

    for both parents

  • One parent

    Standard price from launch. One locker, for one parent's papers.

    A$179 a year

    for one parent

  • Both parents

    Standard price from launch. One locker, for both parents' papers.

    A$249 a year

    for both parents

Founding prices are locked until 31 December 2028 while you stay subscribed. Prices include GST. The Executor's Ledger and the Estate Readiness Score are added to pilot lockers as they are released, at no extra cost.

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Questions

What does the pilot cost?

A$159 a year for both parents, locked until 31 December 2028 while you stay subscribed. From launch the standard price is A$249 a year. Prices include GST.

What is the Executor's Ledger?

One list of everything a person owns, built from their own papers: shares, super, policies, property and bank accounts, each with its source document. It is what the executor is asked for first. We're building it with pilot families now.

How is the Estate Readiness Score worked out?

From the papers and answers in the locker, using fixed rules. Every point comes from a document, an answer or a date, and you can see which. It measures how ready the paperwork is for the lawyer who handles the estate. It doesn't judge the will or give advice. We're building it with pilot families now, and lockers don't show it yet.

Can I try it before uploading my own papers?

Yes. One button fills your locker with sample documents, a made-up family's papers, so you can see how it files and flags things before you add anything of your own.

What do I need?

An email address, and either a phone with an authenticator app or a device with Face ID, fingerprint or Windows Hello. If an authenticator app sounds like a hassle, a son or daughter can set it up with you in a few minutes.

What kinds of files can it read?

PDFs, photos, Word and Excel files. Most people photograph each paper with their phone.

Does Legacy Locker use AI to read my documents?

Yes. Every document is encrypted on its way in and while it is stored. To file one, the locker opens it on its own servers in Australia, where a private AI reads it. The AI service does not keep your documents once it has finished with them, which is within minutes, and it does not learn from them. It is never a public service like ChatGPT.

Who can see the locker?

Today a locker has one owner, and only that person can open it. Family sharing, the key and handing the ledger to the executor are coming.

Will Legacy Locker contact my bank or super fund?

No. It reads the papers you give it and never contacts anyone.

Does it work in my state?

Yes. It is built for Australian papers and works the same way wherever you live.

Get the record ready now, while you can still tell them about it.

Request access to the pilot

Pilot places are limited. We'll email you when your account is ready.