Pension Pilot vs a financial adviser.
They solve different problems. Here’s how the $29 Retirement Clarity report compares to seeing a financial adviser, and why most households end up using both.
Side by side
Pension Pilot $29 report
Instant, staged flow. Built from the numbers you enter: Age Pension estimate, retirement timeline, pressure points and adviser-check questions in a plain-English PDF. Educational, not personal advice.
A financial adviser
Typically days to weeks to arrange, often $2,000–$5,000+ or ongoing fees. AFSL-licensed, personalised advice covering tax, estate, insurance and aged care alongside retirement income.
Why not both?
Most households use Pension Pilot first to see where they stand and turn a messy set of assumptions into a clear starting point. The report is built to be taken into an adviser meeting, with the assumptions and questions already laid out — so the paid advice time gets spent on decisions, not data-gathering.
Up next
Age Pension guide
Understand the assets and income tests.
Retirement income planning
Turn lifestyle goals into income targets.
Tools & pricing
See what’s included and what it costs.
Pension Pilot vs a super fund calculator
See how a fund’s built-in calculator compares.
Pension Pilot vs MoneySmart guidance
See how the free ASIC tools compare.