Millions of Australians can't afford to stop working, according to new research by Finder.

A Finder survey of 1,017 respondents found 20% – equivalent to 4.3 million people – admit they don't have enough money in their super fund or other investments to get by in retirement.

While reports vary on how much money you'll need in retirement, the Association of Superannuation Funds of Australia (ASFA) recommends $595,000 for singles, $690,000 for couples for a comfortable retirement.

The average Australian has $172,835 in super, however the median is much lower at $60,037, according to ATO data.

Finder's research shows a further 1 in 5 (20%) Aussies say they will have enough to get by but will probably have to cut back on their spending.