§ Tool · tier 1 · independent
Super Gap Analysis Tool.
Project retirement savings shortfalls based on current and expected contributions.
CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
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Move the sliders or type your numbers in — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Understand if your current super balance and contributions are enough for your desired retirement income. This tool estimates any gaps and suggests planning tips.
§ Worked examples
Real-world scenarios
Early Starter
A 30-year-old with a decent super balance who plans to contribute more aggressively to close the gap.
Inputs
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
currentAge:55retirementAge:67currentBalance:10,000annualContributions:8,000expectedReturn:6desiredRetirementIncome:60,000
Starting late requires higher contributions and cautious investment choices.
§ GlossarySuperannuation 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.