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Questions, awkwardly answered.

Money · Super gap check

Superannuation Gap Check

Is your super on track for a comfortable retirement? Check your projected balance against the ASFA benchmark and find out the gap.

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Super gap check

Enter your current balance, age, salary, and contribution rate. Podge projects your retirement balance and compares it to the ASFA comfortable standard.

What this means

No waffle. Just the number and how it was worked out.

Formula used

Compound growth on current balance + annual contributions over years to retirement, compared to ASFA comfortable benchmark ($690,000 single).

Worked example

Age 38, $85,000 balance, $90,000 salary, 11% employer super, retiring at 67: projected balance ~$920,000 — above the ASFA comfortable benchmark.

Common questions

What is the ASFA comfortable benchmark?
The Association of Superannuation Funds of Australia publishes retirement comfort standards. The 'comfortable' standard for a single person is approximately $690,000 (2024), supporting a lifestyle with private health insurance, a reasonable car, and some domestic travel.

How do I close the gap?
The most effective levers are increasing voluntary contributions (especially via salary sacrifice), reviewing fund fees, and extending working years if possible. Starting contributions earlier has the largest impact due to compound growth.

Plain-English summary

The result summary for this calculator will live here.

This section translates the result into a short, direct takeaway rather than leaving the page at a bare number.

Disclaimer: Projections are estimates using a fixed return assumption. Actual returns, fees, and tax vary. This is not financial advice. Consult a licensed financial adviser for personal super planning.

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