Why does paying your mortgage fortnightly clear an extra month each year?
6 minutes|
Fortnightly repayments can cut years off a home loan, but only if the amount is exactly half the monthly figure. Here's the maths and the trap.
Otivo Learning Hub
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Here you'll find heaps of helpful articles designed to help you better understand personal finance.
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How much would an investment need to return to beat paying down your mortgage?
9 minutes|
Paying down a non-deductible mortgage is an after-tax return. Here's the pre-tax hurdle rate an investment has to clear to come out ahead.
Can AI help you pay off your mortgage faster?
9 minutes|
AI mortgage advice handles the arithmetic well but the harder questions badly. What it can calculate, where it goes wrong, and what it misses.
What do you actually get from free AI financial advice?
8 minutes|
Free AI financial advice comes in three kinds and they're not equally useful. Learn what free actually gets you and how to tell them apart.
What is the difference between concessional and non-concessional super contributions?
10 minutes|
Concessional vs non-concessional super contributions in 2026-27: the caps, the tax, the notice of intent, and what actually decides which one a payment is.
Could your finances survive a recession?
10 minutes|
Could your finances survive a recession? Why Australia feels poorer while GDP grows, and five things you can do in Otivo to prepare in late 2026.
How does superannuation work in Australia?
8 minutes|
How superannuation works in Australia in 2026-27, from payday super and the 12% SG rate to investment options, access at 60 and tax.
What can your annual super statement actually tell you?
9 minutes|
Your super statement holds four pieces of information worth reading. Here's what each one tells you, what to check first, and what changed in 2026.
Can you access your super early for financial hardship?
6 minutes|
Can you access your super early for financial hardship? The 26-week income support rule, the $10,000 limit and how the hardship test works.
How do you recession-proof your finances when no one can say if one is coming?
10 minutes|
Economists are split on whether a recession is coming. See how to recession-proof your finances with a five-part readiness check for late 2026.
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