The intelligent FIRE calculator built for Australia. Stop guessing your exit date. Start designing it.
Example household
Age 32$140,000 income$160,000 super$82,000 annual spending
Projected freedom year
Calculating projection
Without extra super
Up to $1,308/month for a $140,000 salary in FY2027, within the concessional cap.
Step 1
Current annual spending excluding your home mortgage.
Max $1,308/month to stay under concessional cap
Over a working life, tax takes more from you than any other single cost. Most Aussies only think about super when retirement is close, by which point hundreds of thousands have gone to tax that did not have to, along with every year of compound growth that money would have earned. See what salary sacrifice and the other levers do to your timeline before you commit to anything.
A 1% difference in fees sounds like nothing. Over a lifetime of investing it can cost you hundreds of thousands, because fees compound just as quietly as returns do. Change the fee assumptions and watch your date move, so you can see the cost in years rather than basis points.
Super is locked until you turn 60. Retire at 45 and there are 15 years to fund from somewhere else: a Bridge of non-super assets large enough to carry your lifestyle until super unlocks. ETFs, shares, bonds, rental income, business proceeds, whatever you have. The model estimates the size of that Bridge, and how long it would last.
See what a small change actually does to your date. An extra $200 a month into super via salary sacrifice. A savings rate nudged up two points. The model assumes everything left after expenses is invested rather than sitting in a savings account, so the numbers show what is genuinely available to you.