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Your DIY Online Financial Planning Tool

Smart Planner by Prospera is an online financial analyser that helps you understand your current financial situation. View a snapshot of your financial position, both now and into the future. See the impact of different financial decisions and strategies and plan your way to financial freedom with Smart Planner by Prospera.

Understand how today's spending and investing decisions will impact your future living standards. Determine whether to proceed with that home renovation. Calculate when you can afford to retire. Smart Planner by Prospera will give you the clarity you need to make smarter financial decisions.

At Prospera, we think that everyone should have a plan. Try the Smart Planner now. No email address or credit card required.

Analysing Data
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Image by Joshua Earle


Helping You Make Smarter Decisions

The Prospera vision is for every Australian to be able to make smarter lifestyle and investment decisions to better secure their financial future. 

First built in 2005, the analyser tool was originally created to assist financial planners in giving independent, unbiased financial advice to their clients.

Fast forward to 2019, dismayed by research that showed more than 80% of working Australians weren’t accessing financial advice, the business committed to making financial clarity more accessible and affordable to all Australians, not just those who could afford a financial planner.

Now, Prospera have released the Smart Planner tool, empowering Australians to better understand their finances and make smarter lifestyle and investment decisions, at a fraction of the cost of a financial planner.

Trial our financial analyser now! No email address or credit card required!

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The Smart Planner by Prospera collects all of the data needed to create your financial profile. Details of your assets (properties, investments, super accounts), liabilities (loans), income and expenses are collected. Armed with your profile, the Smart Planner  financial analyser will project your financial position into the foreseeable future, both pre and post retirement.

With your data loaded into the system, Smart Planner’s What-If engine allows you to test different scenarios and see the potential impact on your financial position. You can model different income and expense levels or change when you plan to retire. Maximise your super contributions to see what effect it has on your retirement fund or look at at the longer term impact of a renovation, holiday or private school fees. These options are analysed and presented in a graphical form so that you can choose which one best suits your situation.

The following videos give you a quick introduction to the Smart Planner system.

Try the Smart Planner today. No email address or credit card required.

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Current Scenario
What If Engine
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Soft Launch Discount Code - First50

Yes! We are having a soft launch of Prospera SmartPlanner. This is available for our first 50 customers and is our way of saying thankyou for joining us as we start our Prospera SmartPlanner journey. Just use the discount code "First50" to receive your first year free!



Provide details regarding your current assets (properties, investments, super accounts), liabilities (loans), income and expenses. Based on this information the analyser projects your financial position into the foreseeable future. Upgrade to the full version to use the What-If calculator to help you make smarter financial decisions.


$165 per annum
(Use discount code "First50" to get your first year free!)

All the features of the Free version plus the ability to create and analyse What-If options to help you make smarter financial decisions based on your situation. Save your data and come back to the Smart Planner time and time again, to protect your financial future. Ideal for those looking for a financial planning tool at the fraction of a cost of a financial planner.

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Suite 601
155 Castlereagh St
Sydney NSW 2000

1300 769 890

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