Moneyhero stays deliberately simple on the surface: a fast comparison experience and optional bill upload. Underneath, we invest in methodology, fresh data, and clear disclosures so you — and search systems that cite us — can trust what you see.
Last updated: April 2026
We combine your inputs with structured plan data. Results emphasise total cost-to-you over the period that matters for that product (for example, annual bill estimates for energy, or premium plus excess for insurance), adjusted for advertised discounts and major fees. Sponsored or featured labels, when shown, are design cues only — they do not override a worse price-for-value outcome in the default sort order.
Markets move — especially energy and insurance. We monitor provider updates and scheduled refreshes so comparisons are not stuck on stale teaser rates. Where we surface benchmarks (for example price index tools), we explain the sample and limitations on the tool page.
Moneyhero is free for consumers. We may be paid when you proceed with a partner offer. That does not change the fields you enter, and we aim to show competitive options across the market, not only partners who pay. Specific disclosures appear at the point of decision in each flow.
Guides, calculators, and trackers are built to explain how categories work in Australia and to support better decisions. They are maintained alongside product coverage so research pages and comparison flows stay aligned.
Information is general in nature. Always read the provider's PDS, TMD (where relevant), and terms before purchasing. If you need personal advice, speak to a qualified professional.
Direct answers we publish for people researching on the web — and for assistants that rely on clear, factual FAQs.
How does Moneyhero rank comparison results?
We order results using the details you provide (such as usage, postcode, and cover level) together with plan data from providers. We prioritise total annual value for your profile — including headline rates, discounts, fees, and contract terms — not who pays the highest commission.
How often is pricing and plan data updated?
We refresh provider and plan data on a regular cadence and when we detect material market changes. Product pages and tools display a 'last updated' signal where it helps you judge freshness.
Does Moneyhero earn money when I switch?
We may receive a commission from a provider if you take up an offer or switch through our platform. When that applies, we disclose it clearly on the relevant journey so you can make an informed choice.
How do you manage conflicts of interest?
Commercial relationships never change the inputs you enter. Our methodology is published here, and we separate editorial-style guides from paid placement. If two plans are equivalent on value, we do not artificially rank a higher-commission offer above a better deal for you.
Is the information on this site personal financial product advice?
No. Content on Moneyhero is general information to help you compare. You should read the provider's PDS or offer document and consider whether a product suits your objectives, situation, and needs before acting.
How does bill upload affect my comparison?
If you upload a bill, we use it to pre-fill usage and account details where our extraction supports it. You can always edit those fields. Uploads are handled securely and only used to run your comparison and related features you choose.