← Back to Money Detective
Free tools
Compare electricity, gas, solar, insurance, mobile and NBN costs side by side, using the details from your own bills. Every tool is free, needs no sign-up and takes about two minutes. Pick a bill below to get started.
Compare energy plans and see exactly why your bill looks the way it does.
Compare now →Usage rates and feed-in tariffs together, so you see your real net cost as a solar household.
Compare now →Line up premium, excess, and what's actually covered before you renew.
Compare now →Compare cover and excess so you're not paying for gaps you didn't know were there.
Compare now →Work out the real cost per GB and what you're actually getting for it.
Compare now →Compare cost, speed, and contract terms before you switch or renew.
Compare now →Compare premium, excess, and cover, hospital, extras, and the fine print.
Compare now →List what you're paying for and see what's adding up each month.
Compare now →Upload a PDF statement, get clean rows ready to paste into your spreadsheet templates.
Convert now →Each tool follows the same simple pattern, so you can compare a bill in a couple of minutes without reading pages of fine print.
Choose the tool that matches the bill you want to check, from energy and insurance to mobile and internet.
Type in the figures from your bill or quotes. The energy tools can also read a bill PDF in your browser to fill them in.
See estimated costs lined up so the differences are easy to spot, then check the provider's documents before you decide.
Energy, insurance, phone and internet are usually the biggest recurring costs in an Australian household, and they are easy to leave on autopilot. A quick comparison before each renewal can show whether you are still on a plan that suits your usage.
Energy: use the Electricity and Gas Bills comparer to line up usage rates and daily supply charges, or the Solar Plans comparer to include feed-in tariffs. Our guide on tiered solar feed-in tariffs explains what to check first.
Insurance: compare car insurance, home and contents insurance and health insurance quotes using premium, excess and cover, not just the headline price. Read what to check before switching insurers before you decide.
Phone, internet and subscriptions: work out the real cost per GB with the Mobile Plan comparer, compare speed and contract terms with the Internet and NBN comparer, and total what you pay each month with the Subscription Audit. Our guide to subscriptions worth cancelling is a good companion.
Want to plan around your pay cycle as well? See the budget spreadsheets, or read our household bills checklist to make sure no bill is missed.
Yes. Every calculator on this page is free to use and does not need an account or sign-up. Money Detective also sells optional budget spreadsheets and a paid Energy Plan Check, but you never need to buy anything to use the free tools.
You can compare electricity and gas plans, solar plans with feed-in tariffs, car insurance, home and contents insurance, health insurance, mobile plans and internet or NBN plans. The Subscription Audit adds up the recurring payments you already have, and the Bank Statement Converter turns a PDF statement into spreadsheet-ready rows.
No. You can type in the rates, premiums or prices from your own bill or quotes. The electricity, gas and solar tools can also read a bill PDF in your browser to prefill the details. The bill is read in your browser and is not uploaded to Money Detective or anyone else.
No. The tools show estimates based on the numbers you enter, side by side, so you can see the differences clearly. They do not recommend a provider or plan, and the final decision stays with you. Always check the provider's current plan documents before you switch.
Results are estimates only. Real costs can change with your usage, tariff times, fees, discounts, excess, cover and the provider's current pricing. Use the results as a starting point and confirm the details with the provider or an official comparison service before changing anything.
With the free Electricity and Gas and Solar Plans comparers, you type in the plan rates you want to compare. The paid Energy Plan Check is a one-off $6.95 upgrade that reads your bill and finds current official plan rates by postcode and retailer, so you do not have to enter every rate by hand.
A good habit is to check your big bills before they renew, such as insurance, energy, mobile and internet, rather than only when money feels tight. Many households find it useful to set a reminder for each renewal date.
The Energy Plan Check reads your bill and pulls current official plan rates by postcode, so you don’t have to type them in. One-off $6.95, no subscription.
These tools give general information and estimates only, not financial, energy or insurance advice. Always check the provider’s current plan documents before switching. See our financial disclaimer. Looking for budgeting spreadsheets instead? See the templates.