The budget planner uses bucket budgeting to split your weekly take-home into jobs. The super calculator turns published fee data into real, comparable annual costs. Here’s exactly how both work.
Give every dollar a job — bills, investing, spending and savings — so your surplus doesn’t just disappear.
Type your take-home pay at whatever frequency it arrives — weekly, fortnightly, monthly. The planner converts everything to a weekly figure so you can think in one unit.
Add each bill at the frequency it actually arrives (yearly rego, monthly phone plan). The planner weeklyises every one and totals them into your Recurring Expenses bucket automatically.
Divide the remainder between buckets — DCA investing, a splurge fund, a SMILE (savings) account. Drag the sliders until every percentage is assigned. Hit auto-balance to split proportionally.
Whatever lands in your DCA / invest bucket becomes your annual super contribution in the fee calculator — automatically. You enter the number once and it carries across.
We don’t guess and we don’t round. Every fund’s total fee is built from three components.
Your current super balance and the fund you’re with today. That’s it — no login, no email, no personal details. Everything runs in your browser.
For every fund we add the administration fee (a fixed dollar amount plus a percentage of your balance, respecting each fund’s dollar cap and balance cap) to the investment fee (the cost of the underlying shares, weighted to your Australian / International mix).
We rank every fund, highlight the cheapest, and show your yearly saving. Then we project both funds forward to retirement — growing the balance and deducting each year’s fee — so you see the compounding cost, not just one year’s difference.
These figures reproduce the source comparison exactly. Fees are estimates on balanced/index options and can change — always confirm against a fund's PDS.
Every dollar paid in fees is also a dollar that can't grow. Over decades, a small percentage gap becomes a large dollar gap.
A fee at 35 also costs you the growth it would've earned for the next 30 years.
Fees come straight out of your balance, so they're easy to ignore — until you model them.
You can't control markets, but you can control which fund holds your money.
Budget first, then tackle your super. Your numbers carry across automatically.
Open the toolkit