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Tell Otivo about your situation
Answer a few simple questions about your money, goals and lifestyle.
Australia’s first licensed AI financial adviser
The easy way to
build your wealth
Licensed financial advice that helps you grow your super, pay down debt, invest smarter and retire with confidence — powered by AI and backed by qualified Australian advisers.
Get my free financial planAverage Google ratingNo credit cardAFSL licensed
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The advice gap
Most Australians don’t have a plan for their money
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 leaving people to figure it out themselves.
Not anymore.
Am I making the most of super?
Do I have enough to actually retire?
Am I covered if something goes wrong?
Should I pay down the mortgage or top up super?
Is my super invested in the right thing?
Am I building wealth fast enough?
The cost of doing nothing
Imagine what a plan could do for you
Here’s the average projected uplift across Otivo users who follow their plan to retirement.
Projected super without advice $0
With Otivo’s advice $0$0 Otivo uplift
* 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.
Ask Otivo anything
The ease of AI. The safety of licensed advice.
AI platforms can give you information. Social media can give you opinions. Otivo gives you licensed financial advice built around your personal situation.
Ask Otivo
Licensed financial advice · AFSL
Real advice vs internet opinions
Information is everywhere.
Safe advice isn’t.
What you get
Licensed
AI platforms or social media
Personalised to you
Advice built around your goals, finances and situation
Generic information
Properly regulated
Licensed Australian financial advice
Not licensed to give advice
Someone stands behind it
Qualified advisers oversee every recommendation
No accountability. Can be wrong.
Saved in your plan
Advice stored and reviewable anytime
Disappears in the feed
Built to take action
Recommendations you can act on immediately
Information without implementation
Available in 22 languages
Licensed advice in multiple languages
Often generic or untranslated
What you get
Personalised to you
Advice built around your goals, finances and situation
Properly regulated
Licensed Australian financial advice
Someone stands behind it
Qualified advisers oversee every recommendation
Saved in your plan
Advice stored and reviewable anytime
Built to take action
Recommendations you can act on immediately
Available in 22 languages
Licensed advice in multiple languages
How it works
Financial advice in minutes
No paperwork. No appointments. No four-figure adviser bill. Just a plan you can actually use.
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Get licensed financial advice
Receive personalised recommendations across super, investing, retirement, debt and insurance.
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Take action and watch it work
Follow your plan one decision at a time. Otivo tracks your progress and adjusts as your life changes.
Personal pocket-sized adviser
Otivo helps you with every major financial decision
One licensed financial plan that connects super, investing, retirement, insurance and debt — and evolves with your life as things change.
Choose digital or speak with an adviser
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 browser or our new App.
Talk with an adviser
Some people prefer to talk through their finances with a human. Book a free 15-minute intro call with one of our team to see if this plan is right for you.
Working with some of Australia's most trusted organisations
Testimonials
Rated 5 stars by Australians
Over 13,000 Australians are already using Otivo to build wealth, improve their super and feel more confident about their future.
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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.
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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.
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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.
Fintech awards
Finalist 2026
MAX awards
Finalist 2026
Innovator of the Year
Finalist 2025
B2B Innovation
Finalist 2025
Simple pricing
Financial advice used to cost thousands. Otivo starts free.
Most people start with Free. Many upgrade to Digital. Some book a one-off adviser session for bigger financial decisions.
Free
$0
Start building wealth. No credit card.
Get started with your financial plan.
- Set up your financial profile
- PDF statement of advice
- See your wealth in one view
- Try Ask Otivo (limited)
Most popular
Digital
$119/yr
The full wealth-building plan.
Licensed AI financial advice designed to help Australians build long-term wealth.
- Everything in Free
- Unlimited licensed advice across super, investing, retirement, debt and personal insurance
- Unlimited Ask Otivo in 22 languages
- Personalised projections
- Implement recommendations directly
- Reviewable plan history
Adviser
$499/yr
A call with a licensed adviser, up to one hr.
A one-off session with a qualified Australian adviser for bigger financial decisions.
- Everything in Digital
- 60-minute call with a qualified adviser
- Tailored Statement of Advice
Common questions
Before you start free with Otivo
Straight answers about how Otivo works, what it costs, and what makes it different.
Free to startIs Otivo actually financial advice?
Yes. Otivo is a licensed financial advice platform, regulated by ASIC under AFSL 485665. That means the advice you get is personal, considers your situation, and is held to the same standards as advice from a human adviser. The difference is you get it in minutes, not weeks, for a fraction of the cost.
How is Otivo different from ChatGPT?
Ask Otivo works similarly to the AI tools people already use — ask a question and receive an answer instantly. The difference is that Otivo is licensed to give real financial advice. General AI tools are not.
Is my financial information safe?
Yes. Otivo is ISO 27001 certified, the international standard for information security.
What do I actually get for free?
Set up your financial profile, get personalised advice to optimise your investments inside super, see your wealth in one view, and try Ask Otivo (limited).
Is Otivo available in other languages?
Yes. Otivo provides licensed financial advice in 22 languages including Mandarin, Arabic and Vietnamese.
Can I talk to a real person?
Yes. The Adviser plan includes a one-on-one session with a qualified Australian adviser — book a 60-minute call when you need deeper guidance.
