Super Fund Comparison Calculator
Compare two superannuation funds side-by-side on fees, returns, and insurance over 10, 20, and 30 years.
Total admin + investment fee as a percentage
Fixed dollar admin fee per year
Annual cost of death/TPD/income protection insurance
How It 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.
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.
Related Calculators
Super Balance Growth Calculator
Project your superannuation balance at retirement based on current balance, contributions, and investment returns.
Super Contribution Optimiser
Calculate tax savings from salary sacrifice and personal super contributions against the concessional cap.
Retirement Savings Gap Calculator
Calculate whether your super and savings will provide enough retirement income, and identify any shortfall.
Compound Interest Calculator
Calculate compound interest with regular contributions, showing growth over time with different compounding frequencies.