The Freedom Calculator
Plan your path to financial freedom.
Design Your Goal
Day-to-day living costs, excluding home mortgage and any loans entered separately below.
Pre-tax super contribution — $14,400/yr. Cap: $30,000 incl. SG.
Age when you want to stop working (income & super contributions cease)
Your primary residence mortgage. Interest is not tax-deductible. For investment property loans, use the Investment Properties section below.
Investment property loans have tax-deductible interest. Negative gearing reduces your taxable income. Property equity contributes to your net worth.
Car loans, personal loans, credit cards. Each reduces your net worth and cash flow until paid off. Investment loans (margin loans, personal loans for shares) generate a tax deduction on interest. IP loans and your home mortgage are modelled separately above.
Track other investments outside super (ETFs, shares, crypto, etc.)
One-time lump sums added to your non-super balance in the specified financial year. Examples: inheritance, bonus, property settlement.
Expected investment returns
Long-term CPI average
Annual salary increase (AWOTE)
4% = 30yr retirement, 3% = 50yr
Fine-tune your projection
Adjust growth rate, inflation, wage growth, and safe withdrawal rate to match your view of the world.
Enter your details
Fill in the form to see your personalized path to financial independence.