Household bills · 2 min read
the loyalty tax calculator
Pop in what you pay for power, internet and mobile. See a rough range of what loyalty might be costing you, based on ACCC and Finder data.
By Agent Bill team · 4 November 2026
Staying put feels safe. Same provider, same bill, no fuss.
The catch? Providers tend to save their best prices for new customers. Stick around long enough and you can end up paying a quiet extra for being loyal. We call it the loyalty tax. Here's what it is and how to dodge it.
Want a rough idea of what it might be costing you? Pop in a few numbers below. Nothing you type leaves your device.
agent bill tool
the loyalty tax calculator
Fill in any bills you like. Leave the rest blank.
Pop in a power or mobile amount to see your range.
This is a rough guide only, based on published Australian averages. It isn't financial advice or a quote. Your actual saving depends on your plan, usage and provider. For a real check, a person can review your actual bills.
how we got these numbers
We only use published figures, and we round your result to the nearest $10.
- Electricity: households on the same plan 3+ years pay on average $221 a year more than customers on new plans, according to the ACCC. The ACCC also found the average household could have saved $291 just by moving to their own retailer's best offer. If you say you're not on an old plan, the low end is $0.
- Mobile: Finder estimates Aussies spend $54 a month on average, vs about $42 a month for a month-to-month plan with 14GB+ data. We take the gap between what you pay and $42, per phone.
- Internet: we don't have a verified dollar figure, so we don't make one up. We do know 43% of Aussies have been on the same internet plan 3+ years, according to WhistleOut.
next steps
- Ask your provider for a better deal. Here's what a retention offer is.
- Learn to read your power bill so you know what you're comparing.
- Check your internet with our NBN speed and price check.
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