Later Life App

Later Life answers the 10 questions every Australian family asks after 67.

1. How much Age Pension can I get?
2. What concessions and entitlements should I apply for?
3. What is my Medicare Safety Net support?
4. What is my PBS Safety Net support?
5. How much can I earn before impacting my Age Pension?
6. How does SAPTO reduce my tax?
7. How much can I borrow against my home using cheap government money?
8. What is my downsizer math?
9. How am I assessed to contribute for Support at Home?
10. How much am I assessed to contribute for Residential Aged Care?

Built by a Certified Financial Planner with over 25 years of specialist aged care experience, Later Life applies every relevant government rule to your specific situation.

Provide a basic profile, and our logic engine maps your parents' entire financial position in minutes.

Privacy by design. Later Life is a digital twin simulator. We never access real bank accounts or government records. Your data is encrypted and yours to delete at any time. Every calculation features a source citation. This is logic, not advice.

Built on legislation current to the 2025-26 financial year.