The intelligent FIRE calculator built for Australia. Stop guessing your exit date. Start designing it.
Your current annual spending — excluding your home mortgage. Used as both your savings driver and your retirement income target.
Max $1,100/month to stay under concessional cap
Your current annual spending — excluding your home mortgage. Used as both your savings driver and your retirement income target.
Max $1,100/month to stay under concessional cap
Many Aussies don't really think about Super until they're close to retirement. By then, they've paid hundreds of thousands in unnecessary tax, and missed the opportunity for many years of compound growth. We help you to see how you can use salary sacrifice and other strategies to legally minimise your tax and turbocharge your timeline.
We advocate for low-cost Industry Funds, Indexed options, and platforms that don't charge excessive fees. The more active management you're doing, the less you need to pay someone else for that. Fees compound silently — a 1% difference can cost hundreds of thousands over a lifetime of investing.
Super is locked until you turn 60. If you want to retire at 45, you need a Bridge — a pool of non-super assets large enough to fund your lifestyle for those 15 years. People get creative: ETFs, shares, bonds, rental income, business proceeds, and more. We calculate exactly how much you need, and what it should look like.
See what small moves actually do to your timeline. An extra $200/month into super via salary sacrifice. Bumping your savings rate a little to start building your Bridge. The model assumes everything left after expenses is invested — not sitting in a savings account — so the numbers show you what's really possible.