Ask Max anything about superannuation, retirement, budgeting, insurance and investing. Instant answers grounded in ASIC and ATO guidance — available 24/7.
ASIC
MoneySmart sourced
ATO
Super guidance
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Max
CFP · 15 Years Financial Planning Experience
Online now
"Hi! I'm Max, your Australian financial information guide. I explain how superannuation, retirement planning, budgeting and investing work — drawing on ASIC's MoneySmart guidance. For advice specific to your situation, a licensed financial adviser can help."
Super balance
Retirement
Investing
Insurance
Everything you need
A complete financial planning toolkit
From quick questions to detailed calculators — Max has tools for every financial planning situation.
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Ask Max Free
Ask any Australian financial planning question. Max draws on ASIC MoneySmart and ATO guidance to give clear, plain-English answers. 3 free questions per day.
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Super Calculator Pro
Project your superannuation balance at retirement. Factor in contributions, salary sacrifice, fund returns and fees to see where you're heading.
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Retirement Planner Pro
How much do you need to retire? Explore an illustrative retirement income projection and general strategies commonly used to build retirement savings.
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Budget Analyser Pro
Enter your income and expenses. Explore general budgeting concepts and common savings strategies based on ASIC MoneySmart guidance.
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Insurance Checker Pro
Do you have the right life, income protection, TPD and trauma insurance? Max analyses your situation and identifies any coverage gaps.
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Investment Guide Pro
ASX, ETFs, property, bonds — Max explains Australian investment options and helps you understand risk, return and asset allocation for your goals.
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Super Health Score Pro
Get an illustrative super health score based on general benchmarks for your age group. For general awareness only — not a financial assessment.
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Net Worth Tracker Pro
Calculate your true net worth — all assets minus all liabilities. Track it over time and watch it grow. The single most important financial number.
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Fund Fee Comparator Pro
See how much your super fund fees are costing you over your career. A 1% fee difference can cost $100,000+ by retirement.
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Life Events Guide Free
New baby, buying a home, getting married, starting a business — Max generates a general financial checklist for your life event.
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Financial Health Quiz Free
10 questions. Find out how financially healthy you really are and get Max's illustrative improvement plan. Takes 2 minutes.
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Find an Adviser Free
Browse verified Australian financial advisers and planners. Search by suburb, specialty and AFSL licence. When Max isn't enough, these are the experts to call.
Simple as that
How Max works
Professional financial guidance, available instantly.
1
Ask your question
Type any Australian financial planning question in plain English — no jargon required.
2
Max searches ASIC
Max searches MoneySmart and ATO guidance in real time for current, accurate information.
3
Get a clear answer
Max responds in plain English with figures, options and action steps specific to Australia.
4
Connect with an expert
Need licensed personal advice? Find a verified financial adviser in your area.
Simple pricing
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Free
$0/month
Perfect for getting started with your financial questions.
3 questions per day
Ask Max general questions
Find a Financial Adviser
ASIC MoneySmart sourced
Pro
$19/month
For serious financial planners and investors.
Unlimited questions
Live ASIC & ATO web search
Super Calculator
Retirement Planner
Budget Analyser
Insurance Checker
Investment Guide
Answer history saved
Adviser Listing
$29/month
Get found by Australians seeking financial advice.
Verified AFSL listing
Direct contact button
Specialty tags
Suburb & postcode search
Free Weekly Tips
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One practical Australian financial planning tip every week — super strategies, investment ideas, tax savings and more. Free, no spam, unsubscribe anytime.
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In the spirit of reconciliation, Max Money acknowledges the Traditional Custodians of Country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present.
Ask Max
Your AI-powered Australian financial planning guide. Ask anything — Max searches ASIC MoneySmart and the ATO in real time.
FreeQuestions today:
⚠️
General information only — not personal financial advice. Max is AI-powered and draws on ASIC and ATO guidance. Always consult a licensed financial adviser (AFSL holder) before making financial decisions. ASIC: 1300 300 630
MaxCFP · 15 Years Experience
"Hi! I'm Max, your Australian financial information guide. I explain how financial concepts work — drawing on ASIC's MoneySmart and ATO guidance in real time. I provide general information only — for personal advice, always consult a licensed financial adviser (AFSL holder)."
Trained on ASIC MoneySmart · ATO super guidance · 2024–25 · Not a substitute for a licensed financial adviser
Popular questions
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Max's Answer · Based on ASIC MoneySmart & ATO guidance
Financial Planning Tools
Super calculator, retirement planner, budget analyser, insurance checker and investment guide.
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Important — please read before using Max Money tools.
All information, calculators and tool outputs are general information only — not personal financial advice. Max Money does not hold an Australian Financial Services Licence (AFSL). Calculator results are illustrative projections based on assumptions and cannot be relied upon as financial advice. Always consult a licensed financial adviser (AFSL holder) before making financial decisions.
Please tick the box above to use the tools
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Super Calculator
Explore an illustrative superannuation balance projection based on the inputs you enter and standard assumptions.
Your superannuation details
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Max's Super Analysis
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Retirement Planner
Explore an illustrative retirement income projection based on ASIC's comfortable retirement standards.
Your retirement situation
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Max's Retirement Analysis
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Budget Analyser
Explore general budgeting concepts and common cashflow strategies based on ASIC MoneySmart guidance.
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Max's Budget Analysis
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Insurance Checker
Do you have the right cover? Max analyses your life, income protection, TPD and trauma insurance needs.
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Max's Insurance Analysis
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Super Health Score
Get an illustrative super health score based on general age-group benchmarks. For awareness only — not a financial assessment.
Your super details
Illustrative Super Health Score ⚠️
—
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Max's Super Health Advice
Max is analysing your score…
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Net Worth Tracker
Calculate your true net worth — assets minus liabilities. Track it over time and watch it grow.
Your assets
Your liabilities
🔍
Super Fund Fee Comparator
See how much your fund fees are costing you over your working life — and how much you could save by switching.
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Max's Fee Analysis
Choose your life event
Select a life event and Max will generate a general financial checklist and action plan for your situation.
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New Baby
Financial checklist for new parents
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Buying a Home
First home financial setup guide
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Getting Married
Combining finances checklist
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Separation / Divorce
What happens to super & assets
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New Job
Super, salary sacrifice & benefits
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Starting a Business
Financial setup for entrepreneurs
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Receiving an Inheritance
What to do with a windfall
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Approaching Retirement
5-year retirement countdown plan
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Life Event Financial Checklist
Key Australian financial planning dates — super contribution deadlines, end of financial year strategies and important ATO dates.
All Year
Salary sacrifice contributions reduce taxable income immediately
⚡ Make concessional super contributions before 30 June
Spouse contribution split — must be done before 30 June
Consider bringing forward deductible expenses
July (New Financial Year)
SG rate increases — check employer is paying correctly
New contribution caps apply from 1 July
Review salary sacrifice arrangements with employer
October
Tax return due if lodging yourself (31 Oct)
Super guarantee Q1 payment check
Super Key Rates 2024-25
SG rate: 11.5% (rises to 12% from 1 Jul 2025)
Concessional cap: $30,000/year
Non-concessional cap: $120,000/year
Ask Max
Have a question about a specific financial date or deadline?
📈
Investment Guide
ASX shares, ETFs, property, bonds — Max explains Australian investment options for your goals and risk profile.
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Max's Investment Guidance
Find a Licensed Financial Adviser
Browse verified Australian financial advisers and planners. All listings include AFSL licence numbers. Verified before publishing.
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🔒 AFSL licence required. All listings must include a valid Australian Financial Services Licence number or authorised representative number. We verify before publishing.
List Your Financial Planning Practice
Be found by Australians who need licensed financial advice. Join Max Money's growing adviser directory.
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Registration Submitted!
We'll verify your AFSL details within 1–2 business days and email you when your listing goes live.
Your Details
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Choose Your Listing Plan
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An option to consider is you
Priority placement
Analytics
💳 Payment link sent via email. Listing goes live after AFSL verification. Cancel anytime.
About Max Money
Who Max is, how the tool works, and how we protect your information.
✅
Information reviewed against ASIC MoneySmart. Max's guidance is based on current ASIC consumer financial guidance and ATO superannuation rules for 2024–25.
About this service
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Powered by Claude AI
Max runs on Anthropic's Claude — one of the world's most capable AI assistants — with Australian financial planning knowledge embedded in his guidance.
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Live ASIC & ATO Search
Pro answers search moneysmart.gov.au and ato.gov.au in real time, so Max reflects current rates, thresholds and rules — not just training data.
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Current Information
Max is calibrated for 2024–25 Australian financial regulations, super rates and ASIC guidance. Updated each financial year.
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Privacy
Questions are processed via the Claude API. We do not store questions on our servers. Your data is never sold or shared with third parties.
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Limitations
Max provides general financial information only. He is not a licensed financial adviser (AFSL holder) and cannot provide personal financial advice. Always consult a licensed adviser.
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Need a Licensed Adviser?
ASIC MoneySmart: 1300 300 630 Find an adviser: ASIC Register
🌏
In the spirit of reconciliation, Max Money acknowledges the Traditional Custodians of Country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present.
Legal Disclaimer
Please read before using Max Money. By using this service you accept these terms.
📋 General Information Only
Max Money provides general financial information only. Nothing on this site constitutes personal financial product advice as defined under the Corporations Act 2001 (Cth). You should not rely on this information to make financial decisions without first obtaining advice from a licensed financial adviser holding an Australian Financial Services Licence (AFSL).
🚫 Not a Financial Product Advice Service
Max is an AI assistant and is not a licensed financial adviser. Max Money does not hold an Australian Financial Services Licence (AFSL). Under the Corporations Act 2001 (Cth), providing financial product advice — including general advice — without an AFSL is prohibited. Max Money provides factual financial information only, not general or personal financial product advice. Calculator outputs are illustrative projections based on assumptions and cannot be relied upon as financial advice. Always consult a licensed financial adviser (AFSL holder) for advice specific to your circumstances.
📅 Accuracy
Financial rules, super rates and regulations change frequently. Always verify information directly with ASIC MoneySmart or the ATO.
⚠️ Limitation of Liability
To the maximum extent permitted by Australian law, Max Money excludes all liability for any loss or damage arising from reliance on information provided by this service, including investment losses, missed super contributions or incorrect insurance decisions.
📍 Jurisdiction
This service is designed for Australian residents only and relates to Australian financial law and regulation.
Last updated: June 2025 · For the 2024–25 financial year
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🧠 Financial Health Quiz
10 questions. Find out how financially healthy you really are — and what to fix first.
🧠
How financially healthy are you?
Answer 10 quick questions and get an illustrative Financial Health Score plus general guidance on common areas for improvement.
Question 1 of 10
Your Financial Health Score
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Max's Financial Health Plan
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⚠️ General information only — not personal financial advice. Max Money does NOT hold an AFSL. Calculator outputs are illustrative only and cannot be relied upon as financial advice. Consult a licensed financial adviser (AFSL holder) before any financial decision. Full disclaimer →
