The Finance Algorithm
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Super Gap Analysis Tool

Calculator

Project retirement savings shortfalls based on current and expected contributions.

Free to useNo data storedAI insightsUpdated: March 2026

Understand if your current super balance and contributions are enough for your desired retirement income. This tool estimates any gaps and suggests planning tips.

Enter Your Details

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Real-World Examples

Early Starter

A 30-year-old with a decent super balance who plans to contribute more aggressively to close the gap.

Inputs Used:

currentAge:30retirementAge:67currentBalance:50,000annualContributions:10,000expectedReturn:7desiredRetirementIncome:60,000

Increasing annual contributions by 50% helped reduce the projected gap significantly.

Late Planner

A 55-year-old with a low super balance and limited years to contribute, needing to plan carefully.

Inputs Used:

currentAge:55retirementAge:67currentBalance:10,000annualContributions:8,000expectedReturn:6desiredRetirementIncome:60,000

Starting late requires higher contributions and cautious investment choices.

Glossary

Superannuation
A mandatory savings program in Australia for retirement, usually invested by super funds.
Investment Return
The annual gain or loss on your super fund's investments.

How to Use

  1. 1Enter your current age and planned retirement age
  2. 2Input your current super balance and expected annual contributions
  3. 3Set your expected investment return rate
  4. 4Enter your desired annual retirement income
  5. 5View the estimated savings gap at retirement

Key Information

  • Many Australians have a superannuation shortfall to meet retirement goals
  • Early planning and increased contributions can close the gap
  • Investment returns can vary, affecting your projected balance
  • Use this tool as a guide, not financial advice

Pro Tips

  • Review your super balance annually
  • Consider salary sacrificing to boost contributions
  • Diversify your super investments
  • Aim to retire debt-free to reduce income needs

Avoid These Mistakes

  • Ignoring inflation impact on retirement income
  • Overestimating investment returns
  • Delayed super contributions
  • Not updating retirement goals regularly

Disclaimer: This tool provides estimates and is not a substitute for professional financial advice.

Last updated: March 2026

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