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Super Fund Comparison Tool

AI + Live Data

Compare super funds side-by-side by fees, returns, and features to find the best fund for you.

Free to useNo data storedReal-time dataAI insightsUpdated: February 2026

Choosing the right superannuation fund can mean tens of thousands of dollars difference at retirement. With over 150 super funds in Australia, comparing them all manually is nearly impossible. Our AI-powered Super Fund Comparison tool analyses your current fund against top-performing alternatives based on fees, returns, insurance, and features — tailored to your investment style and priorities.

Enter Your Details

Enter Your Details

Your current superannuation fund

$

Your total super balance today

$

Your gross annual salary

Your preferred investment risk level

Your top priority when choosing a fund

Your age now

Real-World Examples

The Fee-Conscious Saver

Lisa has $120k in a retail fund charging 1.2% in fees. She's comparing to an industry fund charging 0.6%.

Over 25 years, the 0.6% fee difference could mean $95,000 more in Lisa's super at retirement — that's the power of low fees compounding over time.

The Ethical Investor

Ryan wants an ESG-focused fund but worries about lower returns.

Several top ESG super funds have matched or outperformed traditional balanced options over 10 years, proving ethical investing doesn't mean sacrificing returns.

Frequently Asked Questions

Glossary

APRA Performance Test
An annual test by APRA comparing MySuper products against benchmarks. Funds that fail must notify members and may be closed to new members if they fail two years in a row.
Investment Option
The mix of assets your super is invested in (e.g., shares, property, bonds). Options range from High Growth (aggressive) to Cash (conservative).
Indirect Cost Ratio (ICR)
A measure of the total ongoing fees reduced from your super balance, expressed as a percentage. Lower ICR generally means more of your money stays invested.
ESG Investing
Environmental, Social, and Governance investing. Super funds that screen investments based on ethical criteria like climate impact, human rights, and corporate governance.

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Interest rates, fees, and policies change frequently. Always verify information with lenders directly. This is general information, not personal financial advice. Consider seeking advice from a licensed mortgage broker or financial advisor.

Last updated: February 2026

How to Use
  1. Enter the name of your current super fund.
  2. Input your current balance and annual income.
  3. Select your preferred investment option (e.g., Balanced, Growth).
  4. Choose what matters most to you — fees, returns, insurance, or ESG.
  5. Our AI will compare your fund against top alternatives with real data.
Key Information
  • Fees are the biggest drag on super performance — a 1% difference in fees can cost over $100,000 by retirement.
  • Past performance doesn't guarantee future returns but long-term trends (10+ years) are meaningful.
  • Some funds offer lower insurance premiums or unique benefits like income protection.
  • APRA publishes annual performance test results — funds that fail twice are closed to new members.
Pro Tips
  • Look at 10-year returns rather than 1-year returns for a more accurate picture.
  • Check if your employer has a preferred fund with lower fees or extra insurance benefits.
  • Consider the total fee impact: admin fees + investment fees + insurance premiums.
  • MySuper products are the default option and must meet strict APRA performance benchmarks.
Avoid These Mistakes
  • Choosing a fund based solely on short-term returns instead of long-term consistency.
  • Ignoring insurance costs which are deducted from your balance each month.
  • Having multiple super accounts and paying duplicate fees and insurance premiums.
  • Not considering the tax implications of switching funds (e.g., unrealised capital gains).
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