Getting your money sorted can be
complicated. We make it simple.

Australia’s best

Choose from 50+ lenders to access better home loan, personal loan and car loan rates. Start saving money now

Money clarity

With our FREE Money Sorted app, know YOUR complete financial world in under 5 minutes.

Convenience

Get personalised quotes for loans and personal insurance solutions no matter the time of day

Experts to call on

Need help getting your money sorted? Our team of finance experts can support you via phone, email or live chat

50+ Aussie lenders to choose from

With interest rates at historical lows, now is the time to secure a better rate, pay less and save more.

Choose from the best home loan, personal loan and car loan options in the market. Get the right options for your needs in under 5 minutes, or call on our finance experts to help you secure the best deal possible.

Find out more

Our Goal For you

At My Money Sorted our goal is to make life easier for 5 million Aussies by helping them make better money decisions, achieve their biggest goals, and secure the things they care about most in life.

To achieve this we’re providing you with direct access to the best financial information, tools, products, and services that Australia has to offer.

We cover everything you’ll need to know to get your money sorted. From the best insurance options, to tips on how to save money wisely, to insights on how best to manage your investments for a secure future.

All on a platform that’s 100% free to use!

Find out more

Want to get your money sorted? Read our free guide and get back on track today.

Download
Superannuation

How Much Super Do You Need?

Read more
Mortgage

First Home Buyers

Read more
Financial Planning

Retirement

Read more
Superannuation

Find My Super

Read more

Latest Articles

Death Insurance
Insurance

Death Insurance

You’re financially providing for your dependents now – but what about when you become terminally ill or pass away? Without your income, how would they cope with their financial needs? Let me tell you how. Death cover can give you peace of mind as it provides coverage for your family’s financial future even in your […]

Read more
What are Variable Home Loan Rates?
Mortgage

What are Variable Home Loan Rates?

Read more
What are Fixed Home Loan Rates?
Mortgage

What are Fixed Home Loan Rates?

Read more
2023 Interest Rate Predictions from the Experts – PLUS The Reserve Bank’s Latest Double Blow for Home Owners
Trending

2023 Interest Rate Predictions from the Experts – PLUS The Reserve Bank’s Latest Double Blow for Home Owners

Read more
Life Insurance Broker
Insurance

Life Insurance Broker

Read more
Death Insurance
Insurance

Death Insurance

You’re financially providing for your dependents now – but what about when you become terminally ill or pass away? Without your income, how would they cope with their financial needs? Let me tell you how. Death cover can give you peace of mind as it provides coverage for your family’s financial future even in your […]

Read more
What are Variable Home Loan Rates?
Mortgage

What are Variable Home Loan Rates?

Read more
What are Fixed Home Loan Rates?
Mortgage

What are Fixed Home Loan Rates?

Read more

Still looking for more?
Checkout these commonly asked questions.

Here are the top reasons why you should review your super (even your default super plan).

You may have a default super plan that does not take your unique circumstances into account. Therefore, a super review backed by financial planning or sound general advice is needed. This practice is helpful for these reasons:

  • You May Be Paying Sky-High Super Fees
  • Your Super Funds May Not Be Performing
  • The Super’s Insurance Coverage May Not Be Right for You

Read full article: https://mymoneysorted.com.au/super-review/

Do you think your employer’s contributions may not be able to sustain your current lifestyle or the one you hope to have after retirement? Here’s how you can make personal contributions to add to your super.

You may also consider a concessional and non-concessional super contribution if you’re thinking about growing your super over time. 

Concessional super contributions are funds that go into your superannuation account from your before-tax income. These contributions are taxed at 15%, and there’s a cap that applies each financial year. 

Below are examples of concessional contributions according to the ATO (Australian Taxation Office):

  • Employer contributions, including compulsory contributions, additional concessional contributions by your employer, salary sacrifice payments, and other amounts paid by your employer before-tax income
  • Contributions allowed as an income tax deduction
  • Notional taxed contributions
  • Unfunded defined benefit contributions
  • Some amounts allocated from a fund reserve 

On the other hand, non-concessional contributions are made from your after-tax income and aren’t taxed in your super fund. These include:

  • Contributions from your after-tax income that you and your employer accomplished 
  • Spousal contributions
  • Personal contributions that aren’t claimed as an income tax deduction
  • Excess concessional contributions that you’ve decided not to release from your superannuation fund
  • Contributions over your capital gains tax (CGT) cap amount
  • Retirement benefits withdrawn from superannuation that you re-contribute 
  • Most transfers from foreign super funds that exclude amounts in your fund’s income 

As mentioned, you may add your own money into your super savings account. The Australian Government also puts money into your super at times.

Read full article: https://mymoneysorted.com.au/how-does-superannuation-work/

Choosing the right type of super fund can be the key to long-term benefits. Here’s how to choose one that’s best suited for your pension plans.

Choosing the right type of super fund can be the key to long-term benefits. You should consider certain factors when you decide which of the following options would be best suited for your pension plans: 

  • Industry Super Fund
  • Retail Super Fund 
  • Self-Managed Super Funds (SMSFs)
  • Public Sector Funds
  • Corporate Funds

Read full article: https://mymoneysorted.com.au/compare-super-funds/

The Australian Government supports small business owners with grants, services, and helpful information for small- and medium-sized enterprises (SMEs). What qualifies as a small proprietary company?

A business is considered a small proprietary company if it meets at least two of the following conditions:

  • The combined gross operating revenue for the financial year of the company is less than $25 million
  • The value of the combined gross assets at the end of the financial year of the company is less than $12.5 million
  • The business has fewer than 50 employees at the end of the financial year

Read full article: https://mymoneysorted.com.au/what-is-a-small-business/

The early release of super funds is allowed under certain conditions. What are these special circumstances?

The purpose of super funds is to provide a regular income stream and benefits during retirement. The early release of these funds is only allowed under certain conditions. 

Some of the circumstances which can warrant advance access to your super are the following: 

  • Access on Compassionate Grounds
  • Access Due to Severe Financial Hardship
  • Access Due to a Terminal Medical Condition
  • Access Due to Temporary Incapacity
  • Access Due to Permanent Incapacity
  • COVID-19 Early Release of Superannuation
  • Permanently Leaving Australia

Read full article: https://mymoneysorted.com.au/early-release-of-super/

Australia’s retirement age averages around 55. Are you on track to retire early with a nest egg to last two or three decades? Here are 8 tips to make early retirement a reality.

If you want to make early retirement a reality instead of just a dream, try these tips:

  1. Create a financial plan
  2. Pay off the home loan through extra repayments 
  3. Increase your income through income streams
  4. Do retirement budgeting
  5. Have a plan to cover healthcare costs
  6. Build the best investment portfolio
  7. Boost your super funds
  8. Reduce expenses to reach your savings goal

Read full article: https://mymoneysorted.com.au/early-retirement/

How much super do you need? Here’s data from ASFA that shows the average super balance needed by age and gender.

To determine the reasonable amount of super you should have in your account, you can look at the following data from ASFA that shows the average super balance by age and gender. 

Read full article: https://mymoneysorted.com.au/how-much-super-do-you-need/

What is a transition to retirement income stream (TRIS) and how does it work?

How an Australian can access their superannuation fund is based on the super’s rules. 

A super fund usually releases funds to a member in different ways after they reach preservation age:

Lump-Sum Payment – a one-off payment that can be all or part of the super savings

Super Income Stream – the super fund pays part of a member’s super savings periodically, such as monthly 

Annuities and account-based pensions are some of the super income streams.

You can also receive super funds through a combination of the two payment methods. One example is receiving a lump sum and income stream. 

Read full article: https://mymoneysorted.com.au/transition-to-retirement/