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1 of 174 storefronts
Content in en-US
Content in en-US
Information
Preview 2 platforms
iPhone 10 images
iPad 5 images
What’s New Version 1.3.4
UI Improvements.
Description
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.
Accessibility
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Version history 12 versions
Build 887722484v1.3.42026-07-02 19:37:06
UI Improvements.
Build 887623257v1.3.32026-06-30 22:52:24
Updated for 1 July Rates and thresholds
Build 887513027v1.3.22026-06-27 18:49:34
UI Overhaul
Build 887246809v1.3.12026-06-21 22:43:35
UI overhaul
Build 886067297v1.32026-05-25 00:08:12
Various UI. Include o/s pensions in pension calcs. Integrate Support at Home data to widget.
Build 886050730v1.2.92026-05-23 22:43:38
UI Improvements
Build 886014238v1.2.52026-05-22 18:30:47
Various UI & Support at home Price Data
Build 885901825v1.2.42026-05-20 17:55:48
Various UI enhancements
Build 885652387v1.2.32026-05-14 18:17:31
Support at Home Wait Times: See real median wait times for your Support at Home package based on your location — so you know exactly how long to plan for.
Safe Income Zone: A transparent waterfall breakdown showing your pension-safe earning threshold, with a proactive warning when employment income risks reducing your pension.
Work Bonus Education: Clear caveats explaining the $11,800 Work Bonus Bank and how irregular income is treated differently to regular earnings.
Improved Formatting: All financial values now display with clean, comma-separated currency formatting.
Layout & Stability: Fixed text overflow on smaller screens and improved dashboard spacing.
Build 885482417v1.2.22026-05-11 03:04:15
What's New in Version 1.2.1
Updated Commonwealth Seniors Health Card eligibility logic
Improved Aged Care contribution messaging and education
Better Pension Phase explanations for superannuation
Concession Finder now accurately reflects your eligible entitlements
Home Equity Access Scheme displays improved for couples
General navigation fixes and UI polish
Build 885269324v1.22026-05-05 19:05:26
Bug fixes and performance improvements.
Build 884976014v1.02026-05-01 02:25:26
No pricing data captured yet — comparisons appear once the app has paid storefronts or in-app purchases.
Availability 1 of 174 storefronts
| Region | Language | Price | Ratings | Avg | Version |
|---|---|---|---|---|---|
| AU | en-AU | Free | 5 | 5.0 | 1.3.4 |
Not available in: AE, AF, AG, AI, AL, AM, AO, AR, AT, AZ, BA, BB, BE, BF, BG, BH, BJ, BM, BN, BO, BR, BS, BT, BW, BY, BZ, CA, CD, CG, CH, CI, CL, CM, CN, CO, CR, CV, CY, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, FJ, FM, FR, GA, GB, GD, GE, GH, GM, GR, GT, GW, GY, HK, HN, HR, HU, ID, IE, IL, IN, IQ, IS, IT, JM, JO, JP, KE, KG, KH, KN, KR, KW, KY, KZ, LA, LB, LC, LK, LR, LT, LU, LV, LY, MA, MD, ME, MG, MK, ML, MM, MN, MO, MR, MS, MT, MU, MV, MW, MX, MY, MZ, NA, NE, NG, NI, NL, NO, NP, NR, NZ, OM, PA, PE, PG, PH, PK, PL, PT, PW, PY, QA, RO, RS, RU, RW, SA, SB, SC, SE, SG, SI, SK, SL, SN, SR, ST, SV, SZ, TC, TD, TH, TJ, TM, TN, TO, TR, TT, TW, TZ, UA, UG, UY, UZ, VC, VE, VG, VN, VU, XK, YE, ZA, ZM, ZW
Reviews 4 reviews · AU
★★★★★
Highly Recommended
This outstanding free app helps retirees, people approaching retirement, and their families quickly understand the range of federal and state benefits available to them.
Simply answer a few questions and, within seconds, receive a clear summary of your financial position and potential benefit entitlements. You can then explore individual benefits in more detail to understand how they work. Information is updated as legislation changes, and professional advice is available if needed.
Privacy is well protected: you can use a fictitious name, and all data is encrypted.
The Later Life app simpl
Hans Rudy2026-06-06
★★★★★
Simple Quick and Easy
Simple quick and easy to get a complete picture of your Centrelink entitlements. Will be recommending to my Changing Gears clients.
Norm Cockerell2026-05-30
★★★★★
Market leader.
Very intuitive and so easy to use. Loaded with all the content you could possibly need - who to call for a particular service, how to register, what forms to complete etc. Very impressive level of detail. Super useful as we try to help our parents in their 80s navigate “the system”.
AdrianHarro2026-05-29
★★★★★
Great tool
Excellent to be able to access so much personalised information at your fingertips.
Aokgh2026-05-26
Change log 16 changes · AU
✎
releaseNotes updated
UI Improvements.
✎
description updated
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 app
✎
subtitle updated
Free Tools for Later Life
✎
name updated
Later Life App
◆
Version 1.3.4 released
UI Improvements.
◆
Version 1.3.3 released
Updated for 1 July Rates and thresholds
◆
Version 1.3.2 released
UI Overhaul
◆
Version 1.3.1 released
UI overhaul
◆
Version 1.3 released
Various UI. Include o/s pensions in pension calcs. Integrate Support at Home data to widget.
◆
Version 1.2.9 released
UI Improvements
◆
Version 1.2.5 released
Various UI & Support at home Price Data
◆
Version 1.2.4 released
Various UI enhancements
◆
Version 1.2.3 released
Support at Home Wait Times: See real median wait times for your Support at Home package based on your location — so you know exactly how long to plan for.
Safe Income Zone: A transparent waterfall breakdown showing your pension-safe earning
◆
Version 1.2.2 released
What's New in Version 1.2.1
Updated Commonwealth Seniors Health Card eligibility logic
Improved Aged Care contribution messaging and education
Better Pension Phase explanations for superannuation
Concession Finder now accurately reflects
◆
Version 1.2 released
Bug fixes and performance improvements.
◆
Version 1.0 released