Super & Retirement
Super Fund Comparison Calculator
Compare two superannuation funds side-by-side on fees, returns, and insurance over 10, 20, and 30 years.
How this calculator works
Projects each fund's balance over 10, 20, and 30 years by applying gross returns, subtracting percentage-based fees, fixed fees, and insurance costs annually. Contributions are added each year. The comparison shows the dollar difference between funds at each time horizon.
Total admin + investment fee as a percentage
Fixed dollar admin fee per year
Annual cost of death/TPD/income protection insurance
Our pick
The Barefoot Investor (Classic Edition)
Understanding your numbers is step one. This is the book most Australians start with.
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FAQ
Frequently asked questions
How much do super fees really cost?
A seemingly small difference of 0.5% in fees can cost over $100,000 over a 30-year period on a typical balance. The Productivity Commission found Australians lose $2.6 billion per year to underperforming super funds.
What is a good super fund fee in Australia?
Industry funds typically charge 0.5-0.8% in total fees. Retail funds average 1.0-1.5%. The cheapest options (like indexed options) can be under 0.15%. The APRA heatmap rates funds on fees and performance.
Should I consolidate my super?
Consolidating into one fund eliminates duplicate fees and insurance premiums. Check for any exit fees or loss of insurance before rolling over. You can consolidate via myGov linked to the ATO.
Are industry super funds better than retail funds?
APRA data consistently shows industry funds outperform retail funds on average, primarily due to lower fees. However, individual fund selection matters more than fund type. Check APRA's annual fund-level performance data.
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