The Finance Algorithm
§ Tool · tier 1 · independent

Super Gap Analysis Tool.

Project retirement savings shortfalls based on current and expected contributions.

CalculatorFree, no signupOn-deviceupd March 2026
Inputs
Your numbers
30
67
$
$50k
$
$10k
%
7%
$
$60k

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — 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.

§ Glossary

Plain-English definitions

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.