Tap the gap, a behavioural superannuation app that turns everyday spending into retirement savings, is now live on the App Store and Google Play.

Every time a user shops with one of Tap the Gap’s 350-plus retail partners, spare change from the purchase is rounded up and a retailer-funded bonus, worth 3 to 20% of the purchase, is deposited directly into their super. No behaviour change required, no budgeting, no giving anything up.

Australian women retire with 25 to 28% less superannuation than men. It’s a gap that’s been decades in the making, built from career breaks, part-time work and a system that was never designed around the way women actually work and live.

Tap the Gap’s founder, Lucy Kough, doesn’t believe the answer is waiting for that system to change.

“We can’t change the infrastructure overnight,” Ms Kough says. “But women make the vast majority of household purchasing decisions every single day. That’s real economic power, and it’s already in our hands. We’ve just built a way to point it somewhere that pays off.”

Founded in December 2025, Tap the Gap has spent the past six months proving its model works. Users have been contributing an average of $44 a month to their super balance, a figure that, sustained over 30 years at an average 7% return, grows to roughly $61,000. Against the average super gap of $62,000, that’s closing the gap by 98%.

“Women don’t need another thing on their to-do list,” Ms Kough says. “This isn’t about spending less or spending differently. It’s about the spending you’re already doing quietly working harder for you.”

Tap the Gap is available now to download for free on the App Store and Google Play. A premium subscription starts at just $5 a month.