Your financial wellness space
A clearer view of where you stand, and where you're heading.
Your Financial Wellness Report brings the whole picture together: goals, super, debt, insurance and retirement, then turns it into a clear, personal view. From there you can step into real, personal advice on the things you choose, with help along the way.
Made available to you through your trusted provider.
At a glance
See where you stand
One clear read across your savings, super, debt, insurance and goals.
Advice on your terms
Step into genuine personal advice, one topic at a time, under moneyGPS’s AFSL.
It grows with you
Reviewed over time, so your plan keeps pace with your life.
The advice gap, and a way to close it
Most Australians don't get the financial guidance they need. Digital advice is a more accessible way in.
16M
Australians have unmet advice needs
Nearly 16 million adults (15.9 million) want financial guidance they can’t easily get. Cost and access, not demand, are the barrier.
Investment Trends, 2025
15K
registered financial advisers, and falling
Down from about 28,000 in 2019. Adviser numbers have nearly halved even as demand grows, which is why accessible digital advice matters more.
Wealth Data (ASIC register), 2026
68%
would pay for personalised digital advice
More than two-thirds of Australians would pay for personalised digital advice, an accessible entry point to guidance that can grow with their needs.
FSC / CoreData, 2026
General information, not personal advice. Individual outcomes vary; not a forecast or guarantee. On digital advice as an accessible pathway: FSC/CoreData, The Role and Value of Digital Advice in Australia (2026).
A new kind of advice
Here’s what you get
Personal financial advice has always been slow and hard to get, so most people never bother. moneyGPS makes it accessible. In a few minutes you’ll see your financial wellness score and how your goals are tracking. From there you can step into real, regulated personal advice, one topic at a time, only on the things you want help with. You decide how far to go; the insights are yours either way.
A quick disclosure
The Financial Services Guide up front: who’s advising you, and how complaints are handled.
Under a minute
A few questions about you
Income, goals, what matters. The inputs that personalise everything that follows.
~5 min
Your wellness score
An instant read on your financial position across the key dimensions of your money. Yours to keep.
See straight away
Your goals, in detail
Tell us the specifics of what you’re working towards, and see how they’re tracking.
~5 min
Your personal advice
Choose the topics you want advice on and walk through each one, with a regulated Statement of Advice for every topic.
~15 min
Choose your focus
Two ways to begin
moneyGPS meets you where you are. Pick the focus that fits right now. You can switch later, and nothing’s locked in.
Build my wealth
You’re growing your savings and putting your surplus to work toward what’s next.
- A quick wellness snapshot of where you stand
- Shape goals: a home deposit, investing, clearing debt
- A personalised plan for where every dollar goes
Plan my retirement income
You’re at or approaching retirement and want to see how your money funds the years ahead.
- A live picture of your income, year by year
- See how your super and the Age Pension work together
- Adjust the levers: when you retire, what you spend, downsizing
Not sure? Most people building toward goals start with the first. You can switch focus any time.
Simple and secure
Get going in minutes, no paperwork to start
Getting started is refreshingly simple. You can sign up, complete your Check-Ups and explore your wellness score with just a few details. There’s nothing to scan, upload or photograph.
When you decide to get your personal advice, we confirm your identity online using greenID, right at that point. It takes a few minutes, with nothing to upload. Throughout, your advice is provided under moneyGPS’s Australian Financial Services Licence (AFSL 247344), held by Fiduciary Financial Services Pty Ltd, and your information is handled securely.
No paperwork to start
Sign up and explore with just a few details.
ID check when you get advice
Verified online with greenID, right when you need it, with nothing to upload.
Backed by an AFSL
Advice is provided under moneyGPS’s AFSL (247344).
Also included
Realistic, and it keeps up with you
Whichever report you start with, two things hold true.
Honest projections
See your likely direction and a realistic range, not a single guaranteed number.
Advice that stays current
We remind you when your advice is due for review, so your plan keeps pace with your life.
Your financial wellness
One simple score for your whole financial picture
As soon as you set up your account, you get a financial wellness score, one easy-to-read number across the key dimensions of your financial life. It shows where you’re strong and where there’s room to grow.
Each dimension is weighted to reflect what matters most at your life stage, so the score is genuinely yours. It’s not a one-off. It stays with you and updates as your situation changes, so the steps you take are reflected over time.
What your score looks across
A clear read on your whole position: general information to help you understand where you stand.
Member benefits
Membership that gives back
Being a moneyGPS member isn’t only about your financial plan. Through moneyGPS Advantage, you also get access to a wide range of everyday savings and rewards from well-known retailers, so your membership keeps giving beyond the numbers.
Everyday savings
Discounts and offers you can use on the things you already buy.
Well-known brands
A wide range of retailers and services, refreshed over time.
Part of your membership
Included as a moneyGPS member, alongside your financial tools.
Help when you want it
Start with Olivia. Talk to a real person when you’re ready.
You’re never on your own. Most people start with Olivia, your built-in AI guide. She explains your results in plain language and answers your questions any time, day or night.
When your situation is more involved, or you’d simply prefer to talk things through, you can connect with a moneyGPS Coach, a real person, for a more personal conversation.
Olivia, your 24/7 AI guide
Instant, plain-English answers, always available. She explains your Financial Wellness Report results and helps you understand your position. Olivia gives factual explanations, not personal advice.
Your GPS Coach, personal human support
A real person for deeper, one-on-one conversations about your circumstances, goals and next steps, whenever you want them.