Loyalty Tax Calculator

Find out how much
you're overpaying.

Enter your provider, plan, and how long you've been with them. In under a minute, we'll show you exactly how much more you pay than a new customer — and what the alternatives actually cost.

100% free · No signup required

Your annual loyalty tax
$264
$70/mo → $48/mo fair price
TelstraOptusVodafoneTPGBoostBelongSpintelSuperloop
$180-480Annual loyalty tax per service
72%Of Australians overpay
3 minTo calculate your gap

What the calculator shows you

Not just a number — a full breakdown of where your money goes and what you can do about it.

Your loyalty tax figure

A single dollar amount showing how much more you pay per year than a new customer on the same plan.

Same-network alternatives

MVNOs that use your exact same towers at a fraction of the price. Same coverage, lower bill.

Cross-network options

The best deals on other networks, so you can see the full picture — not just your provider's world.

Cumulative overpayment

How much you've already overpaid across your entire tenure. The number that makes you pick up the phone.

Negotiation coaching teaser

A sample opening line and tactic specific to your provider — so you know exactly what to say.

Methodology transparency

Every number is sourced and dated. We show you where the data comes from — no black boxes.

How the calculator works

1

We collect current pricing

We scrape and manually verify plan pricing from every major AU carrier and their MVNOs. Data is refreshed monthly and timestamped so you know it's current.

2

We compare like-for-like

Your plan is matched against the equivalent new-customer price from your provider, same-network MVNOs (same towers, lower price), and cross-network alternatives.

3

We calculate the gap

The loyalty tax is the difference between what you pay and the best comparable price, multiplied by 12. The cumulative figure uses your tenure.

Read full methodology →

See your loyalty tax in 60 seconds

No signup. No email. Just enter your plan and see the number.