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financial future
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Most Australians don’t have a plan for their future
Life doesn't come with instructions. But deep down, we all just want to feel confident about money. Do I have enough? Am I making the most of my super? Am I covered if things go wrong?
For many people, knowing where to start with financial advice can be the hardest part. Self-directed digital advice makes it easier to understand your position and take the next step, with professional support when you need it.
Your plan. Your way.
Self-directed digital advice
Explore your finances and receive licensed, personalised digital advice at your own pace, on any device. Your advice updates as life changes.
Talk with your adviser
If you'd like more comprehensive, human-led advice, please get in contact with your financial adviser.
Start free and be better off in minutes
Get started
Answer a few simple questions about your life, goals and finances. We guide you step by step, at your own pace.
Get your advice
Receive clear, personalised digital advice based on your answers. You can review it anytime and update it as your situation changes.
Take action
Put your advice into action, track your progress over time, and feel confident you're moving in the right direction.
Trusted by thousands of Australians and leading advice practices.
Trusted by over 13,000 Australians
Before I signed up to Otivo, I hadn't looked at my super in years, so it feels good knowing everything is now sorted. What I love most is how it shows me what my financial future could look like, giving me more confidence as I get closer to retirement. Highly recommend.
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.
The Otivo app has been a life saver and a money saver.Easy to understand and negotiate and the staff very friendly and knowledgeable. Highly recommended
It's not often an app can change a life. In this case I can confidently say this service has changed how my wife and I plan for our future from a financial perspective....
Fintech awards
Finalist 2026
MAX awards
Finalist 2026
Innovator of the Year
Finalist 2025
B2B Innovation
Finalist 2025
Simple. Personal. Licensed advice.
Advice that adapts to you
Because it's fully digital, you can update your details whenever life changes — and your advice updates automatically.
Easy to understand
You don't need to be fluent in finance. Otivo explains everything in plain English with no lectures and no judgement.
Licensed and secure
All advice is ASIC-compliant, reviewed by licensed advisers, protected by bank-grade security, and stored securely in Australia.
What's included in your advice
All designed to work with your adviser's support, if and when you need it.
- Super investment optimisation advice
- Retirement planning projections
- Debt insights and repayment strategies
- Super growth strategies through contributions
- Personal insurance guidance
- Ask Otivo conversational AI support
- Educational articles, videos and guides
* The $4.3 billion figure reflects the cumulative projected uplift in net wealth across all Otivo users since 2015, based on user-provided data and assuming recommended strategies are followed through to completion.
† The figures shown reflect the average uplift in net wealth until age 65 observed across the Otivo user base when recommendations are followed based on user-provided data and projected outcomes assuming the recommended strategies are implemented through to completion.
Don't put your financial future on hold
Take control with our easy-to-use platform, backed by licensed advisers and trusted by thousands of Australians.