# Sense AI

> Sense AI is the umbrella for a suite of Australian financial-comparison tools. Run one financial health check across energy, super, home loans, savings, credit cards and health cover, and stop paying the loyalty tax.

Sense AI (also known as "Sense") is the one brand behind EnergySense, SuperSense, MortgageSense, SavingsSense, CardSense, HealthSense — a suite of Australian financial-comparison tools, each served as a section of this site and exposing an API; this file lets an assistant discover all of them.

Content on this site (including The Sense Index) is free to cite under CC BY 4.0. Please attribute "Sense AI" and link back to https://senseai.com.au.

## Apps
- [EnergySense](https://senseai.com.au/energy): Energy — Compare electricity & gas plans and stop overpaying on power.
  - OpenAPI: https://senseai.com.au/energy/openapi.json
- [SuperSense](https://senseai.com.au/super): Superannuation — Find a better super fund and cut the fees draining your balance.
  - OpenAPI: https://senseai.com.au/super/openapi.json
- [MortgageSense](https://senseai.com.au/home-loans): Home loans — Compare mortgage rates and beat the loyalty tax on your home loan.
  - OpenAPI: https://senseai.com.au/home-loans/openapi.json
- [SavingsSense](https://senseai.com.au/savings-accounts): Savings — Find the highest savings rates and stop missing out on interest.
  - OpenAPI: https://senseai.com.au/savings-accounts/openapi.json
- [CardSense](https://senseai.com.au/credit-cards): Credit cards — Compare credit cards and stop bleeding interest and fees.
  - OpenAPI: https://senseai.com.au/credit-cards/openapi.json
- [HealthSense](https://senseai.com.au/health-insurance): Health insurance — Hold hospital cover, or pay the Medicare Levy Surcharge? Run your numbers.
  - OpenAPI: https://senseai.com.au/health-insurance/openapi.json

## Key facts (The Sense Index estimate)
- $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.
- $1.2k: average excess super fees paid per member each year.
- 0.9%: average gap between loyal borrowers' and new-customer mortgage rates.
- $540: average premium creep on auto-renewed insurance policies.
- 2.1%: typical gap between big-bank base and best-available savings rates.

## Open data (The Sense Index)
- [The Loyalty Tax Report 2026](https://senseai.com.au/index/loyalty-tax-2026): How much Australians overpay each year for staying put: energy, super, home loans, insurance and savings. (published 2026-08-10, CC BY 4.0)

## For business
- [Sense API](https://senseai.com.au/api): license the comparison engines behind the suite.
- Contact: hello@senseai.com.au