Budget smarter. Keep more of your money.

Two free tools for Australians: plan your weekly budget down to the dollar, and find a super fund that isn’t quietly draining your retirement in fees.

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People comparing super fund data
Two tools, one goal

Everything you need to keep more

Start by giving every dollar a job, then make sure your super isn’t leaking the rest in fees — your numbers carry from one tool to the next.

See how the tools work together

Weekly Budget Planner

Turn your take-home pay into simple buckets — bills, investing, spending and savings. See exactly where every dollar goes each week, with no sign-up.

Plan my budget

Super Fee Calculator

See what a cheaper super fund could save you — this year and compounded to retirement — with all 16 major Australian funds ranked by real annual fees.

Check my super fees
Quick estimate

See your number in seconds

Enter your balance and current fund for an instant estimate, then open the full calculator for the compounding picture and every fund ranked.

Quick estimate
$
You could save
$0
per year in fees
See full breakdown
Compare the funds Australians actually use
AustralianSuperAware SuperHostplus RestUniSuperHESTA+ 10 more
16
Major funds compared
$0
Cost to use — always free
~1%
In fees can cost years of retirement
2 min
To see your potential saving
Why Pocketly

Fee comparison, done properly

Most "free" comparisons are sales funnels. We just do the maths on published fees — clearly, and in your favour.

01

Real fee maths

Admin fees, percentage costs, dollar caps and investment fees — modelled exactly, not rounded guesses.

02

The compounding view

See not just this year's saving, but what those fees cost you across decades of growth.

03

Genuinely independent

We're not a fund and we don't take commissions. No "preferred partners," no nudging.

04

Nothing to hand over

No login, no email wall, no personal details. Type a balance, get an answer.

How it works

Three steps to a clearer answer

1

Enter your balance

Pop in your current super balance and pick the fund you're with today.

2

See the gap

We rank every fund by total annual fee at your balance and show the cheapest.

3

Know your saving

Get your yearly saving and the compounding difference by the time you retire.

See the full method
A team reviewing finances together
Built for Australians

A 1% fee doesn't sound like much. It is.

On a balanced option, the gap between a low-cost and a high-cost fund is often more than 1% a year. Over a working life, that can quietly cost you years of retirement income.

  • It compounds. A fee you pay at 35 also costs you the growth it would have earned until 65.
  • It's invisible. Fees come straight out of your balance — you never see an invoice.
  • It's switchable. Moving funds is often a short online form. The hard part is just knowing.
Find my saving
Example · $150,000 balance
Annual fee — cheapest vs costliest
Guides

Learn the money, skip the jargon

Fees5 min read

Super fees explained: the only 3 numbers that matter

Admin, percentage and investment fees — what each one is and how to spot a fund that's quietly expensive.

Read guide
Switching6 min read

How to switch super funds without losing your insurance

A step-by-step on changing funds — and the one box people forget to tick before they do.

Read guide
Investing7 min read

Index vs balanced: which super option is cheaper?

Why the option you pick inside your fund can matter as much as the fund itself.

Read guide
All guides
FAQ

Good questions, straight answers

Yes. There's no fee, no account and no email wall. We're not a fund and we don't earn commission for sending you anywhere.
From funds' published fees on their balanced/index investment options. They're point-in-time estimates and can change — always confirm against a fund's PDS before acting.
No. Fees are a big, controllable factor, but insurance, investment performance and your own circumstances matter too. We give you the fee picture; the decision is yours (or your adviser's).
Not at all. Nothing here touches your actual account — it's a calculator. Switching only happens if you choose to, directly with a fund.
Two minutes, zero risk

See what you could save today

Your future self will thank you. Enter your balance and find a cheaper fund in under two minutes.

Calculate my savings