The Finance Algorithm

Banking

Home loansEvery lender's published rates
Savings & transaction accountsBase and bonus rates
Term depositsRates by term
Credit cardsRates, fees and features
Personal loansFixed and variable rates
Car loansBanks, lenders and carmakers
All banks and lendersEvery institution and product

Bills and cover

Electricity plansEvery plan, by state
Gas plansEvery plan, by state
Energy price trackerWho changed prices, and by how much
Solar and batteriesRebates and installs by postcode
Health insuranceEvery policy, cheapest first
What extras payDental, optical and physio, fund by fund

Super

Super fundsEvery MySuper product, ranked
Performance testWho failed APRA's test

Rates and markets

RBA rate trackerWho has passed on the RBA's move
MarketsCash rate, ASX, AUD and yields
InflationCPI by city and category, from the ABS
House pricesMedian house and unit prices by city
RentsMedian rent by postcode, NSW and QLD

Pay and government

Award pay ratesMinimum pay under every award
IncomesWhat every occupation and postcode earns
Centrelink paymentsEvery rate, and when it changes
Deposit guaranteeWhich banks share a $250,000 cap

Home and property

Home Loan18 calculators
Property & Real Estate11 calculators

Loans and credit

Personal Loan16 calculators
Car Loan15 calculators
Credit Card14 calculators

Work, pay and tax

Tax & Pay12 calculators
Business Finance10 calculators

Saving, investing and super

Investment & Savings12 calculators
Superannuation17 calculators
Budgeting5 calculators

Family and government

Family & Government Payments5 calculators
Insurance10 calculators

Home/Energy/Electricity/Red Energy/Red BCNA Saver

Withdrawn on 27 Oct 2026

Red BCNA Saver

Red Energy no longer offers this plan. It left Energy Made Easy on 27 Oct 2026.

Compare current electricity plans All Red Energy plans

Still deciding? Ask the co-pilot.

It runs the site's calculators on your numbers, shows its working, and never pushes a product.

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The Finance Algorithm

Every bank rate, energy plan, health policy and super fund as published, government rates the day they change, and calculators that show their working. No bank pays for placement.

Banking

Home loans
Savings & transaction accounts
Term deposits
Credit cards
Personal loans
Car loans
All banks and lenders

Bills, cover and super

Electricity plans
Gas plans
Energy price tracker
Solar and batteries
Health insurance
What extras pay
Super funds
Performance test

Rates and data

RBA rate tracker
Markets
Inflation
House prices
Rents
Award pay rates
Incomes
Centrelink payments
Deposit guarantee

Calculators

Home Loan
Property & Real Estate
Personal Loan
Car Loan
Credit Card
Tax & Pay
Business Finance

More calculators

Investment & Savings
Superannuation
Budgeting
Family & Government Payments
Insurance

Project

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© 2026 The Finance Algorithm, an independent project. General information only, not financial advice.Methodology