Later Life App

Later Life helps Australian families answer the big financial questions that come after 67.

Age Pension. Concessions. Medicare and PBS safety nets. SAPTO. Home equity access. Downsizer contributions. Support at Home. Residential aged care fees. Instead of checking each rule separately, Later Life models your household as one connected system.

Enter a basic profile, and the logic engine maps the relevant government rules to your situation in minutes, helping you understand where you stand and what may change if your circumstances shift.

Later Life helps answer questions such as:

How much Age Pension could I receive? What concessions and entitlements should I check? What Medicare Safety Net support may apply? What PBS Safety Net support may apply? How much can I earn before affecting my Age Pension? How does SAPTO reduce my tax? How much could I access through the Home Equity Access Scheme? What is my downsizer contribution position? How may I be assessed for Support at Home contributions? How may I be assessed for Residential Aged Care contributions?

Built by a Certified Financial Planner with more than 25 years of specialist aged care experience, Later Life applies relevant Australian government rules to your profile so you can see the combined impact more clearly.

What Later Life Covers

Age Pension Income and asset testing, deeming, pension rates, Work Bonus settings, and key pension thresholds. Concessions and Entitlements Commonwealth Seniors Health Card, Pensioner Concession Card pathways, Low Income Health Care Card settings, and related entitlement triggers. Health Safety Nets Medicare Safety Net, PBS Safety Net, and health-cost support pathways. Tax and Retirement Income SAPTO, income tax, Medicare Levy, and the interaction between pension age income and tax offsets. Housing and Home Equity Home Equity Access Scheme modelling, rent and homeowner assessment settings, and downsizer contribution calculations. Support at Home Contribution assessment pathways for older Australians receiving support to remain at home. Residential Aged Care Means-tested care fee modelling, accommodation contribution pathways, RAD and DAP comparisons, and assessed contribution estimates.

Privacy by Design

Later Life is a digital twin simulator.

We do not access your bank accounts, Centrelink, myGov, Medicare, aged care records, or any external government system. Your data is encrypted, stored securely, 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.