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General information and comparison estimates only. Not financial, credit, tax, legal or health advice, and it does not consider your circumstances.General information and estimates only. Not financial, credit, tax or health advice.
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The Sense Index · Published 2026-08-10

The Loyalty Tax Report 2026

How much Australians overpay each year for staying put: energy, super, home loans, insurance and savings.

By Sense AI · Published 2026-08-10 · CC BY 4.0

$4.6bn

estimated total annual loyalty tax paid by Australian households

75%
of households are on an energy plan above the market's best offer
Source: Sense Index estimate, BillSense plan data
$1.2k
average excess super fees paid per member each year
Source: Sense Index estimate, SuperSense fee analysis
0.9%
average gap between loyal borrowers' and new-customer mortgage rates
Source: Sense Index estimate, RateSense rate tracking
$540
average premium creep on auto-renewed insurance policies
Source: Sense Index estimate, CoverSense renewal data
2.1%
typical gap between big-bank base and best-available savings rates
Source: Sense Index estimate, BankSense rate tracking

Methodology

Figures are modelled from each Sense app's live comparison data against published market averages. This is a placeholder model; we will publish the full sourced methodology alongside the report before promoting it.

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The Sense Index is free to cite under CC BY 4.0. Please attribute “The Loyalty Tax Report 2026, Sense AI” and link back to this page. Machine-readable Dataset metadata is embedded for automated citation.