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Check your super fund against every other MySuper product on fees, returns and APRA's annual performance test
Most people never find out whether their super fund is expensive. Pick your fund below and this health check compares its total fees at your actual balance against the MySuper median, sets its five-year return beside the median, shows whether it passed APRA's performance test, and works out what any fee gap costs you by retirement.
52 MySuper products from APRA's 2025 publication, including lifecycle products matched to your age.
Before fees. The default of 7% sits near ASIC Moneysmart's Balanced profile once the median MySuper fee comes out. Both funds are projected at the same return, so this changes the scale of the comparison, not its direction.
Pick your fund to run the health check
We compare its fees, returns and performance-test result against every other MySuper product.
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.
What can move this result
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.
Fees, returns and performance-test results are sourced from APRA's MySuper Comprehensive Product Performance Package (2025), licensed CC BY. This tool is not endorsed by APRA. Lifecycle products publish their fees and returns per age band rather than per product, so both your fund and the median it's compared against are read at the band applying to your age. Comparing funds is information, not financial advice — your insurance cover, investment option and personal circumstances matter too, and none of them are in this comparison. Retirement age is assumed to be 67.
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.
It's a like-for-like comparison of your MySuper product against every other MySuper product in Australia, using APRA's own published data. MySuper is the default super product your employer pays into unless you've chosen something else, and APRA publishes fees, returns and an annual performance-test result for each one.
Fees matter more than most people expect. A difference of half a percent a year sounds trivial, but compounded across a working life it routinely costs tens of thousands of dollars, which is why this tool converts the percentage gap into what it actually costs you by retirement.
Across MySuper products the median total fee sits around 1% of your balance a year, though it varies with balance because part of the fee is usually a flat dollar amount. Anything materially above the median deserves a reason: a fund charging half a percent more than the median on a $100,000 balance is taking an extra $500 a year from you, every year.
APRA tests MySuper products annually. A fund that fails must write to its members telling them so. If it fails twice in a row it cannot accept new members until it passes again. A single fail is not automatically a reason to leave, but it is a reason to look closely at fees and long-run returns before deciding to stay.
No. It compares MySuper products, which is the default option your employer contributes to unless you've actively chosen something else. If you've switched into a choice option, such as a high-growth, indexed or ethical option, your fees and returns will differ from the MySuper figures shown here.
That's a decision only you can make, and this tool is information rather than advice. Fees are one input; insurance cover inside your current fund, your investment option and your own circumstances all matter and none of them appear in this comparison. What the health check does is tell you whether the question is worth asking, and roughly what the answer is worth in dollars.
APRA's MySuper Comprehensive Product Performance Package, the regulator's own annual publication covering every MySuper product. It is licensed CC BY, and this tool is not endorsed by APRA.