Are you ready for retirement?
Feeling good about your future starts with good advice and a plan.
See if you’re retirement readyHow much can you afford to spend in retirement?
Otivo works out the most you can draw from your super each year, so your money lasts as long as you do.
See how your super, savings and Age Pension work together year by year, then adjust your retirement age or income to see what changes.
- Your maximum, worked out. The highest income your super can support without running out.
- Planned to age 95. So you don’t outlive your money.
- Explore your options. Change your retirement age and income directly on the graph.
Plan for life’s big expenses
Add a holiday, new car or renovation to see how it could affect your retirement savings.
Understand what you can afford to spend without putting your retirement plans at risk.
Worried your super won’t be enough?
Add professionally selected strategies tailored to your circumstances that could help you grow your super, save on tax and make your money last longer.
See how each strategy could improve your retirement plan and choose the options that work best for you. Small changes today could make a big difference to your future.
- Add more to your super
- Make your super work harder
- Use savings to boost your retirement
- Explore downsizing your home
- Plan for your mortgage in retirement
Know exactly what to do next
Turn your retirement decisions into a simple, personalised action plan that shows you what to do, when to do it and how to get started.
From organising your super to understanding your entitlements, you’ll have clear, practical steps to help you prepare for retirement with confidence.
How it works
A retirement plan built for you
In seven simple steps, see how long your money could last, explore personalised strategies to improve your retirement and get a practical action plan to help you get there.
More than a retirement calculator
Most retirement calculators tell you how much money you might have. Otivo helps you understand whether it’s enough and what you can do to improve your future.
Personalised, licensed advice
Get financial advice based on your circumstances, backed by an Australian Financial Services Licence.
See what could make a difference
Explore strategies to improve your retirement and see how they could change your financial future.
Plan for the unexpected
See how a market downturn could affect your retirement and explore ways to prepare.
Real advisers when you need them
Want to talk things through? You can book a session with a licensed financial adviser.
Testimonials
Rated 5 stars by Australians
Over 15,000 Australians are already using Otivo to build wealth, improve their super and feel more confident about their future.
I can't speak highly enough about Otivo. Now I have a plan and goals that I understand. The piece of mind it's given me about my financial position and has literally helped me sleep better at night.
Otivo has been fantastic in helping me get my finances and get my super in order. Straight to the point, with great insights and helping me optimise for the future.
With an intuitive user interface budgeting has never been easier for our short and long term goals. Would highly recommend for anyone wanting easy to run finances.
Frequently asked questions
The big retirement questions, answered
How do I know if I’m ready to retire?
Otivo helps you see whether your super, savings and Age Pension could provide the income you want in retirement, how long your money could last and what you can do to improve your position.
Can I trust Otivo’s financial advice?
Otivo holds an Australian Financial Services Licence (AFSL 485665). Our personalised financial advice is provided within Australia’s regulated advice framework, including obligations to act in your best interests.
How reliable are my retirement estimates?
Otivo uses your financial circumstances, relevant superannuation and Age Pension rules, and modelling assumptions to estimate your retirement income. These projections aren’t guarantees, but they can help you understand your options and plan with greater confidence.
Can I plan my retirement with my partner?
Yes. Otivo can consider your combined financial circumstances to help you plan for your future together.
Is my personal information safe?
Otivo is ISO 27001 certified. We use encryption to protect your information and store your data securely in Australia.
Why not just use a retirement calculator?
A calculator shows you an estimate. Otivo helps you understand your options, explore personalised strategies and build a plan you can act on.
What does retirement readiness cost?
The digital plan is $119. If you’d like to talk things through with a licensed financial adviser, the speak to an adviser plan is $499.
When should I start planning for retirement?
The sooner you start, the more time you may have to make changes that could improve your retirement. Whether retirement is just around the corner or still years away, Otivo can help you understand where you stand and what to do next.
You’ve worked hard for retirement. Make it count.
Find out where you stand, what your future could look like and what you can do now to enjoy a better retirement.
See if you’re retirement ready