Free tools only stay trustworthy if you can see exactly how they pay for themselves. So here it is, with nothing left out.
We'd rather over-explain this than have you wonder. Here's what the referral fee is, and just as importantly, what it isn't.
The referral fee is paid by the comparison partner, not added to you. You pay the same premium whether you reach the fund through us, through the comparison site directly, or on your own.
On the compare page, partners appear at identical visual weight and in random order, reshuffled on every visit. There is no "preferred" partner, and we are never paid to rank one above another.
Every partner card says a referral fee applies, in plain sight, before you go anywhere. You always know the arrangement before you decide — not after.
This is the line we don't cross. We show you your numbers and the official sources behind them — the ATO, APRA or Services Australia rule that produced each figure. What you do next is entirely your call.
We're an information service, not an adviser. We don't recommend a fund, a policy or a tier, and we don't earn more if you pick one over another. If private cover isn't worth it for you, the honest answer is that you don't need it — and we'll say so.
Apart from referral fees, there's exactly one paid product — and it's optional.
A clean, paginated summary of your own numbers and exactly how each one was worked out, with every source cited — the kind of thing you can take to myGov, your accountant or your fund. It contains your figures and the official rules behind them. No product picks, no "you should switch", no upsell.
We are independent. We are not affiliated with or endorsed by the ATO, APRA or Services Australia. Our figures are based on their published rules — but they're our calculations, not theirs.
We ask only for what the maths needs, and never your Tax File Number, bank logins or account numbers. Every calculator works without an account, and saved results can be deleted any time.
We don't run advertising and we don't sell or share your data. Your information is used to do your calculation — that's all.
This is the model MoneySavingExpert proved in the UK and NerdWallet built in the US: free tools that genuinely help, earning trust first, monetised by a referral that's disclosed in the open — not by steering you, harvesting your data, or burying a recommendation you didn't ask for.
The comparison sites already earn referral fees; the difference is whether you're told. We'd rather show you the maths, name the fee, and let you walk away than win a click you'd regret. A tool you trust is worth more to us than a single referral — so we protect the trust first.
Free, in plain English, with every figure sourced. You decide the rest.