Stop paying the loyalty tax on everything.
Drop any bill, statement or renewal, whether it’s energy, super, your home loan, credit card, savings or health cover, and we’ll route you to the right check and show you where you’re overpaying.
Drop any bill, statement or renewal. We’ll route you to the right check.
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One check, one bill at a time
Pick a bill you haven't switched in a year
Energy, super, your home loan, credit cards, savings or health cover. Start with whichever you've left alone the longest.
See the best offer in that Sense app
Each app compares the live market for that one bill and shows what you could be on instead.
Bank the difference, then check the next one
Switch, pocket the saving, and move to the next bill. That's the full financial health check.
The Sense suite
Each Sense app compares one bill. Run them together for a single financial health check. Save on energy and you’re likely overpaying somewhere else too.
EnergySense
Compare electricity & gas plans and stop overpaying on power.
SuperSense
Find a better super fund and cut the fees draining your balance.
MortgageSense
Compare mortgage rates and beat the loyalty tax on your home loan.
SavingsSense
Find the highest savings rates and stop missing out on interest.
CardSense
Compare credit cards and stop bleeding interest and fees.
HealthSense
Hold hospital cover, or pay the Medicare Levy Surcharge? Run your numbers.
Headline figures are current Sense Index estimates. Live per-app data replaces them as each app connects.
How much is loyalty really costing Australians?
The Sense Index is our open-data series putting a number on what people overpay for staying put. It’s free for anyone to read and cite, whether you’re press, a researcher, or just curious.
What is Sense AI?
What is Sense AI?
Sense AI is an Australian financial-comparison suite. It brings together six focused tools: EnergySense (energy), SuperSense (super), MortgageSense (home loans), SavingsSense (savings), CardSense (credit cards) and HealthSense (health cover), so you can run one health check across every bill you might be overpaying.
What is the loyalty tax?
The loyalty tax is the extra money you pay for staying with the same provider instead of switching. Loyal customers are routinely charged more than new ones on energy, home loans, insurance and savings. Sense AI helps you find and cancel that premium.
Which apps are part of Sense?
Six: EnergySense compares electricity and gas plans, SuperSense compares super funds, MortgageSense compares home-loan rates, SavingsSense compares savings and term-deposit rates, CardSense compares credit cards, and HealthSense works out whether you should hold hospital cover or pay the Medicare Levy Surcharge. Each is free to use.
How much do Australians overpay each year?
The Sense Index estimates Australian households pay around $4.6bn a year in loyalty tax across energy, super, home loans, savings, credit cards and health cover. It is an open-data estimate, free to read and cite.
Is Sense AI free to use?
Yes. The comparison tools are free for consumers. Sense AI also licenses the comparison engines to businesses through its API.