Free
- Super investment optimisation advice
- Ask Otivo AI chat tool
- Learning Hub with articles, videos + guides
Take control of your
financial future
Get licensed, professional advice in minutes—free to start, no credit card needed.
AFSL licensed
Bank grade security
No credit card
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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? Until now, getting professional financial advice has felt too expensive and too out of reach. Not anymore.
Choose how you get your plan
Self service digital advice
Take control of your finances on Australia's leading advice platform, with a 12-month plan you can access on any device.
Talk with an adviser
Speak one-on-one with a licensed financial planner to get answers and guidance, from getting started right through to retirement savings advice.
Start free and be better off in minutes
1
Start free
Tell us a little about your life and goals — no credit card and no pressure — and you'll be up and running quickly.
2
Get your advice
Use the platform yourself or chat with a licensed adviser, and you'll get personalised, practical guidance you can trust.
3
Take action
Put your advice into action, track your progress as you go, and feel confident you're on the right path to be better off.
Trusted by
$4.3 Billion*
That's the total amount we've helped Australians be better off since 2015.
+$180k†
Through contribution
strategies per person
+$139k†
Through super
investment optimisation
+$52k†
Through smarter debt
management
Trusted by over 12,000 Australians
L
Lisa Romano
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.
G
Glen
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.
A
Anthony L
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.
J
John Prouse
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.
S
Sylvia Garner
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
L
Lawrence
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....
B2B Innovation
Finalist 2025
Innovator of the Year
Finalist 2025
Executive of the Year
Finalist 2025
Fintech Organisation of the Year
Finalist 2024
Simple. Personal. Licensed advice.
Advice that adapts to you
Update your info anytime your life changes and your advice will refresh automatically — no extra charges.
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
ASIC-compliant advice reviewed by licensed advisers, with bank-grade security and Australian data storage.
Professional advice for every budget
Free
$0
- Super investment optimisation advice
- Ask Otivo AI chat tool
- Learning Hub with articles, videos + guides
Recommended
Adviser
$499Speak to an adviser
- Everything in Digital, plus
- 1 video call with a licensed financial adviser
- Strategic scenario modelling
- Personalised Statement of Advice (SOA)
- 12-month access to platform + premium support
- Partner advice included at no extra cost
Normally $165
Digital
$119/year
- Everything in Free, plus
- Super growth strategies
- Debt advice to reduce interest
- Personal insurance recommendations
- Retirement advice + projections
- 12-month access + free partner advice
* 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.