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Runs entirely in your browser

A forever free fully offline1 cost comparator — no data collection, no sign-in, no ads, to help you save real money.

See the money leak, easy to switch.

Compare Australian utility bills, loans, cards and pay-later offers on equal terms — same horizon, every fee counted, opportunity cost included. AUD, metric, no login required.

Open Utility Comparator What's next
this session
data sent to server
0 B
calculations run
local only
account required
NO

Modules

One shared cash-flow engine under every module — a fair comparison over the same time horizon, with every fee included.

Utility bills Live

Electricity, gas and internet, side by side.

Open
Mortgage Live

Repayments, offset, refinance break-even, fixed/variable split.

Open
Personal loan Live

Secured vs unsecured comparison, true cost rate.

Open
Credit card Live

Balance transfer, minimum-repayment trap, rewards value.

Open
Buy now pay later Live

BNPL fees vs the opportunity cost of paying cash.

Open
Car cost Live

Cash, dealer finance, bank loan — same horizon.

Open

Roadmap

Planned next, not yet built — built only once the core modules above are solid.

Forum Soon

Ask questions and swap tips with other users.

Email reminders Soon

Optional nudges for bill due dates and rate changes.

AI auto-fill Soon

Upload a bill or statement to prefill your numbers.

More powerful tools Soon

Health insurance, HECS, rent vs buy, and more.

General information only, not personal financial advice. Every result names its assumptions on screen — check them against your own bill or offer. Figures are estimates and may differ from your statement by a few cents due to rounding.

1 Everything lives in your browser. You can use all tools without log-in. However, you can choose to sign in to make your next comparison easier and pick it up again across devices — phone, laptop, tablet — with a forever free account.