Independent · No fund bias

Your super is
working harder
than you think.
Is it hard enough?

SmartSuper AU gives you the same analysis a good financial adviser would run on your super — free, in under 5 minutes, with no fund bias or commissions.

Get my free super score →See all tools ↓
Free health score
No credit card
2 minutes to set up
Super health score · Example (avg. 50yr old, dual-income household)
71/100
Good — room to improve
3 opportunities found
Est. $138,000 extra at retirement
Fee efficiency8/25
0.78% — high for this category
Investment alignment20/25
Balanced with 20 years to retire
Contribution strategy14/20
No salary sacrifice in place
Fund quality14/15
APRA passed ✓
Account structure15/15
Single account ✓
💡
Switching to an indexed option saves $2,014/yr in fees — worth $138,000 over 20 years.
$4.5T
Super assets in Australia
Most members never check their fees
61%
Uncertain about retirement
Even with $200k+ in super
$4,668
Median advice fee 2025
SmartSuper AU from $60/quarter
0.57%
Average MySuper default fee
Indexed alternatives start at 0.04%
The problem

The average MySuper default charges 0.57%.
The cheapest equivalent charges 0.04%.
Most members never notice the difference.

On a typical dual-income household balance of $380,000, that 0.53% gap costs $2,014 every year — silently. Over 20 years it compounds to $138,000 less at retirement. Financial advisers know this. Now you do too.

Based on average super balance for Australians aged 50–54 ($190k women, $254k men — ASFA/ATO data). Fees: AustralianSuper Balanced MySuper default (0.57%) vs Hostplus Indexed Shares (0.04%) — verified from fund PDSs, June 2026. Projection assumes 7% p.a. gross return.

12 tools · 3 free

Everything your super needs. In one place.

Start free. Upgrade when you're ready to go deeper.

Free tools
FREE
⬡
Super health score
A 0–100 score across 5 dimensions: fees, investment option, contributions, fund quality, and structure — with specific actions ranked by impact.
FREE
↑
Contribution optimiser
Your concessional cap headroom, carry-forward tracker, salary sacrifice tax saving estimate, and NCC bring-forward eligibility.
FREE
$
Fee drag analyser
Turn your fund's 0.78% fee into a dollar number. Compare against the cheapest equivalent. See the compounded gap over 20 years.
Subscriber tools — from $60/quarter
POPULAR
⚡
Annual super action plan
Up to 12 personalised opportunities ranked by dollar impact — with urgency, numbered action steps, and a downloadable PDF.
🎯
Retirement report
Score your retirement income readiness. See your ASFA gap, projected balance at retirement, and what it takes to close the shortfall.
🔮
Advanced modelling
Compare every retirement age from 50–70. Test indexed vs active. See the exact impact of adding $200/month. All scenarios at once.
🧠
Fund intelligence
Every comparable fund ranked by total cost at your balance. PDS-verified fees. 1yr, 3yr, 5yr returns. Filtered by investment category.
⇄
Salary sacrifice optimiser
Live payslip comparison, cap usage tracker, 20-year compounding projection. Shows exact monthly take-home impact before you commit.
⚠
Division 296 exposure
Year-by-year projection to the $3M threshold. Estimated annual extra tax. Mitigation strategies with links to spouse and contribution tools.
◑
Spouse contribution analysis
Three strategies: $540 spouse tax offset, contribution splitting to equalise balances, and downsizer contributions for 55+ couples.
◈
SMSF ETF portfolio
Search 70+ ASX ETFs, detect overlaps, see weighted portfolio MER, track TBAR deadlines, calculate minimum pension drawdown.
📈
Model ETF portfolios
17 pre-built portfolios for Hostplus Choiceplus, AustralianSuper Member Direct, and SMSF — with custom builder and overlap detection.

Up and running in 2 minutes

01
Create your free account
No credit card. Email and password. 30 seconds.
02
Enter your super details
Fund name, balance, salary, and option. We look up your fee.
03
See your score
Health score, fee analysis, and top opportunities — personalised.