The YourSuper comparison tool is a free online tool provided by the ATO that allows Australians to compare all MySuper products by investment return (net of fees) and annual fees. It was introduced as part of the Your Future, Your Super reforms from 2021.
What Is the YourSuper Tool?
The YourSuper tool is available at ato.gov.au/yoursuper. It shows all APRA-regulated MySuper products ranked by their 7-year net investment return — the same metric used in the APRA annual performance test.
It also shows the annual fees for each product at two balance levels — typically $10,000 and $50,000.
How to Use the YourSuper Tool
- Go to ato.gov.au/yoursuper
- Browse or filter the list of MySuper products — you can sort by return, fees, or fund name
- Find your current fund by searching for it
- Compare your fund’s return and fees against others
- Check the performance test indicator — products that have failed the annual APRA performance test are flagged
If you’re logged in to myGov, the tool can show your specific super account(s) and link directly to your fund’s website to switch or consolidate.
What the Tool Shows
| Data point | What it means |
|---|---|
| 7-year net return | Investment return over 7 years, after investment fees; used in the annual performance test |
| Annual admin fee ($) | Fixed administration fee per year |
| Annual investment fee (%) | Investment management cost as a % of balance |
| Total annual fee | Combined fees for $10,000 and $50,000 balances |
| Performance test result | Pass / Fail indicator (failed products are highlighted) |
| Fund type | Industry, retail, public sector, corporate |
What the Tool Doesn’t Show
- Non-MySuper (choice) options: The tool only covers MySuper products — your fund’s choice options (indexed, ethical, high-growth) are not included
- 10-year returns (only 7-year, matching the test methodology)
- Insurance details: No comparison of insurance cover, premiums, or definitions
- Member services: No rating for online experience, call centre quality, or financial advice
- Future performance: Past returns shown; this is not a prediction
How to Interpret the Rankings
The YourSuper tool sorts products by 7-year net return by default. A few things to keep in mind:
- Higher return doesn’t always mean better: A high-growth fund will naturally show higher 7-year returns than a balanced fund — compare like with like (similar risk profiles)
- Fees matter: Two products with the same return but different fees deliver different outcomes. A product with 1% higher fees requires roughly 1% more return just to stay even
- Failed products: A performance test failure is a significant signal. It means the fund has underperformed by more than 0.5% per year over 8 years relative to its own benchmark
- Industry vs retail: Many top-performing products are large industry funds, but this is a historical observation — use the data, not the category label
Logging In With myGov
If you log in to the YourSuper tool through myGov → ATO online services → Super, you can:
- See your own super accounts linked to your TFN
- See if your account is in a product that has failed the performance test
- Initiate consolidation of multiple accounts
Frequently Asked Questions
Does the YourSuper tool show choice super products? No — it only covers MySuper (default) products. Choice options within funds are not included in the comparison tool.
Is the YourSuper tool the same as the APRA heatmap? Related but different. The YourSuper tool is the ATO’s member-facing comparison tool. The APRA heatmap is a more detailed regulatory tool showing performance, fees, and sustainability metrics for both MySuper and some choice products. See APRA Heatmap Guide.
Can I switch funds directly from the YourSuper tool? The tool provides links to fund websites and the ATO’s Super → Manage section where you can initiate transfers. You can’t complete a transfer within the tool itself.
For more: APRA Heatmap Guide, Best Performing Super Funds, MySuper Performance Test. For advice on fund selection, speak with a licensed financial adviser via MoneySmart.