Super funds charge fees: a percentage admin/investment fee (a share of your balance each year), often a fixed dollar admin fee, and sometimes insurance premiums. A percentage fee looks tiny — 0.85% — but it comes off your return *every year* and compounds, so over a working life it can cost tens of thousands.
The planner deducts fees explicitly: the percentage fee reduces your return, and fixed admin and insurance are dollar deductions in the ledger. Funds usually quote returns after investment fees, so the planner's 'before fees' return sits a little higher and then takes the fee out separately — matching the way Moneysmart models it.
You can set your own fees in the wizard's Assumptions step. Fees were the single largest source of difference when reconciling the planner against Moneysmart.