rito.

For Australians in — or nearing — retirement

Know you’re going to be alright.

Am I actually going to be alright?Rito exists to answer it — with your real numbers, in words that make sense, as many times as you need to ask.

Register your interest I’m here from a super fund

First, the honest bit

You’ve done the work.
Forty-odd years of it.

The early starts. The mortgage. The kids — and maybe now their kids. All that time, your super has been quietly building away in the background.

Whether retirement is coming up fast or you’re already living it, everything written about it seems written for someone else. Projections. Product names. Fine print. Rules nobody explains. None of it answers the one thing you actually want to know:

Have I got this right?

It’s the most reasonable question in the world. Rito was built to answer it — clearly, honestly, and without asking you to earn a finance degree first.

And one thing worth saying up front: Rito isn’t Centrelink. We don’t report to the government, and nothing you tell us can affect your pension. Your answers are yours.

Most tools tell you what to do

Rito asks first.

Say you’re drawing the minimum from your super. There’s a reason for that.

Maybe you’re keeping something back in case you need aged care one day.

Maybe you want to leave something behind.

Maybe you’re managing things carefully around the Age Pension.

Or maybe nobody’s ever explained that the minimum is a floor, not a recommendation.

Four people, same decision, four completely different situations — and they don’t need the same advice.

So we ask. It takes a couple of extra questions, and it’s the difference between a tool that assumes things about you and one that actually knows.

You’re not the only one

Three in four are quietly wondering the same thing.

Not knowing where you stand isn’t a personal failing. It’s the normal state of retiring in Australia right now — and it’s exactly what Rito is here to change.

26%of pre-retirees strongly understand their retirement finances. Just over one in four.So if the sums feel murky, it isn’t just you.
46%report both low financial literacy and low confidenceNot knowing — and knowing you don’t know.
58%say they’d like to understand it betterThe appetite is there. The plain answers aren’t.
2.5M+Australians will retire over the next decadeA whole generation, working it out at once.

Sources: ASIC (2026) · Treasury · APRA/ASIC retirement income covenant reviews

What Rito does

It starts with one honest number.

Rito takes your super, your savings and your plans, and turns them into a readiness score — a single, honest picture that moves when your life does. And the score is just the front door.

  • Know where you stand with the Age Pension. What you’re likely entitled to, what the rules actually mean, and what would change it. Most people find out far later than they should
  • See what your super, savings and the Age Pension add up to — at what you actually spend, not what a calculator assumes
  • Try things before you do them. Take the trip. Help the grandkids. Watch what changes before anything’s decided
  • When the rules change — deeming rates, pension ages — Rito quietly updates your picture and tells you if it matters. Most of the time, it doesn’t
  • No assumptions about what you should be doing. If you’re holding money back for a reason, that’s a plan — not a problem
  • And when it’s a job for a licensed adviser, we’ll say so — and have your numbers ready to take along

More for members →

Try it — sample
72 Readiness score
Move the choices below and watch it respond
Spending in retirement
Help the grandkids with a deposit
Markets next year

On track. The plan holds, with room to breathe.

Illustrative only — the real app works from your numbers.

For super funds

Helping funds look after their members better.

Since 2022, every APRA-regulated super trustee has been required to help members turn savings into retirement income — the Retirement Income Covenant. The hard part isn’t writing the strategy; it’s knowing what members are actually going through. Rito shows funds where their members need a hand — always as combined, anonymous patterns, never anyone’s personal picture — so help arrives before the moment passes.

  • Understand how members are really approaching retirement — who’s worried, who’s coasting, who’s gone quiet
  • See whether confidence is genuinely lifting — a measure of members’ lives, not their clicks
  • Show your board and regulator the strategy is reaching real people

Book a conversation More for funds →

Fund view

Where members need a hand

Preserving unnecessarily32,400
Approaching without a plan18,900
Drawing down too fast9,200
Illustrative — always combined and anonymous, never individual members

A clear view of where to help next — and proof for your board that the help is landing.

The rules we won’t break

Whether you’re a member or a fund, the same three promises hold.

Member data is never sold

Funds only ever see combined, anonymous patterns — never your personal picture. Sensitive categories never leave the app.

No commissions, ever

No product recommendations, no referral fees, no paid placement. The engine can’t rank products — by architecture, not policy.

Guidance, not advice

General information only — and when a question needs a licensed human, the hand-off is a feature, not a fine-print line.

For members

Retired, or getting close?

The Rito app is arriving with our first fund partners. Leave your details and we’ll let you know the moment it reaches your fund. That’s all we’ll send — no marketing barrage, no follow-up calls.

Register your interest

This month, in Rito · sample

Deeming rates updated. Your Age Pension estimate moved up $18 a fortnight. Runway unchanged.

New retirement product rules. More options coming from funds. Nothing to do today.

Sample content — we track the rules so you don’t have to.

Keep readingWhat Rito looks like from your side