The Finance AlgorithmTFA

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.

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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:

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

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.

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

Last updated: March 2026

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