Akrue is a financial literacy platform for young Australians. We teach the foundations that make investing possible: budgeting, payslips, tax, super: then teach investing in a simulator with real market data and no real money.
Take the mystery out of the market. Not with hot tips or hype: by teaching the things nobody sits you down and explains: what your payslip means, where your tax goes, what super actually is, and then, once the foundations are in, how investing really works. We believe that if you're old enough to earn money in Australia, you're old enough to be taught how it works.
Akrue started with a question we couldn't stop hearing. We sat down with young Australians: apprentices, uni students, first-jobbers, and asked what stops them investing. It wasn't fear of losing money. It was not having a clue where to start. Then we asked their parents, and heard the other half of the problem: a man in his mid-forties, working and earning his whole life, asked us "What's an ETF and how do I buy one?" Nobody taught them either.
School doesn't teach it. Banks profit from you not knowing it. Finfluencers will teach you the wrong version of it. So we're building the missing piece: a financial literacy platform that starts with the money you already have, and graduates you to a market simulator running on real ASX and US data: where every beginner mistake is free.
Akrue (pronounced accrue) is an Australian company based in Newcastle, New South Wales. It is not affiliated with any similarly named business. The app is in closed beta on iOS and Android, and the waitlist on this site is the way in. The full story, and what those 56 conversations actually turned up, is in Why nobody teaches young Australians about money.
"I'm not a financial adviser. That's the point. I'm the bloke who didn't know either, and went and found out."
Builds the thing. Matthew leads engineering across the app, the simulator and the data.
Neither of us is a financial adviser, and Akrue is built so we never need to be. Advisers tell individuals what to do with their specific money; Akrue teaches everyone how the system works: payslips, tax brackets, super, markets, and never crosses into telling you what to buy, sell or pay off. That line isn't a legal technicality we tiptoe around. It's the design. Education that respects the line stays honest, stays general, and stays on your side of the table.
It also means our incentives are unusually clean for this industry: Akrue doesn't earn brokerage when you trade, doesn't clip commissions on products, and doesn't sell your data. The membership fee is the entire business model. We only win if the education is worth paying for.
Akrue is a financial literacy platform for 16–28 year olds in Australia. Two tracks: Survive (payslips, tax, super, rent, debt) and Invest (markets, taught in a simulator with real ASX and US data), plus crew leagues ranked on learning progress, never on returns. Akrue is not a broker, not an investing platform, and holds no Australian Financial Services Licence, because nothing on Akrue involves real money. The plain-English version of that position lives at Is this financial advice?
For partnership, press, or general enquiries, email admin@akrue.app.
Interested in beta-testing the app on iOS or Android? Register your interest here.