Australia's FIRE CalculatorFind your earliest realistic FIRE date.
FIRE (Financial Independence, Retire Early) looks different in Australia. Super preservation age, Div 293, the Age Pension assets test, and CGT all reshape the maths. ProjectFi models them natively so you can see when FIRE is realistically achievable, and what would get you there sooner.
New to FIRE? Start with the basics →
- See your real after-tax FIRE date, not a guess
- Plan the years between FIRE and when super unlocks
- Couples planned together, not bolted on
Free forever for the calculator · No credit card
Your projection, stress-tested
Illustrative example. Your numbers are different.
Free Australian FIRE calculator, no signup required
Run your own numbers
Start with a sample plan or enter your own. See your FIRE date, the gap before super unlocks, and whether your target age looks realistic.
Free FIRE Calculator
Start with sample numbers, then change anything to match your situation.
A mainstream accumulation path that reaches FIRE a little ahead of schedule.
Adjust the inputs below to see your projection.
About You
Income & Expenses
Assumptions
≈ 4.0% real (7.0% nominal − 3.0% inflation)
Estimated FIRE result
Not currently reachable
Try a later target age or a higher savings rate to bring FIRE into reach.
—
50
Sample numbers are editable. Change anything below.
⚠️ Not financial advice. Projections are estimates only. Terms
Want to save your plan, model couples, and stress-test it against 1,000 markets?
Get started free →Why Australia is different
Australian FIRE needs Australian rules
Most FIRE calculators were built for the US system. ProjectFi is the Australian FIRE calculator that models AU rules natively, so the projection reflects what actually decides whether your plan works. How the Australian FIRE Calculator handles each rule →
| Question | Generic calculators | ProjectFi |
|---|---|---|
| When can you use your super? | Treats super like cash you can spend any time | Knows you cannot access it until preservation age |
| How much does your employer add? | Asks you to enter a percentage | Built-in 12% Super Guarantee, the legislated rate |
| What happens before super unlocks? | Skips the gap years entirely | Models the bridge fund you need to live on |
| Does the government help later? | Assumes overseas pension rules, or skips it | Models Age Pension with assets and income tests |
Knows you cannot access super until preservation age
Built-in 12% Super Guarantee, the legislated rate
Models the bridge fund you need before super unlocks
Includes Age Pension with assets and income tests
How it works
From numbers to decisions in three steps
Tell us your numbers
Income, expenses, savings, super, partner. Five minutes, no documents needed.
See your FIRE date
A year-by-year projection with confidence bands, super-bridge gap, and Age Pension included.
Test what changes it
Salary sacrifice, going part-time, paying down the mortgage, downsizing. See how each changes the date.
Stress-test your plan
What if the next decade looks bad?
Deterministic projections are useful, but markets don't move in a straight line. ProjectFi runs 1,000 Monte Carlo simulations of your future to show you the range of outcomes and where plans start to break.
See the range, not only the median
Distribution views and failure paths show what the average projection hides.
Understand sequence risk
A plan that works in one straight line can still break under a bad order of returns.
Decide whether the date is robust
The question becomes not just whether FIRE is possible, but how fragile the target is.
Range of outcomes
The full spread of possible outcomes
From the top 10% of simulated futures through to the bottom 10%, with the middle line showing the typical run — so you can see how wide your band of plausible outcomes really is.
Early
FIRE ahead of schedule
On target
FIRE as planned
Late
Plan needs adjustment
Never
Fundamental rethink
Scenario modelling
What if you made one change?
Compare scenarios side by side. One change can move your FIRE date by years.
Salary sacrifice $10k more
3 years earlier
Go part-time at 50
4 years later, but you get your 50s back
Pay off mortgage 5 years early
3 years earlier + lower expenses
Example scenarios
Six Australians, six paths to financial independence
Worked examples across incomes, ages, and family situations. All modelled with Australian rules.
Fictional scenarios for illustration. Not real people.
Common questions
Before you sign up
Is this FIRE calculator free?+
How is this different from a US FIRE calculator?+
Does the FIRE calculator handle couples?+
Does the FIRE calculator model super preservation age?+
Is this financial advice?+
Is my data safe?+
Where do the tax and super numbers come from?+
Simple pricing
Free to start. Pay if you want the depth.
The free FIRE calculator runs the full engine. Paid tiers unlock more scenarios, more stress tests, and longer projections.
Free
Run a full Australian FIRE projection.
- 1 alternative scenario (your base plan is free)
- 5 Monte Carlo runs per month
- Couples modelling
- Year-by-year preview (5 years)
Pro
For people actively planning their FIRE date.
- Unlimited scenarios + side-by-side compare
- Unlimited Monte Carlo runs
- Full year-by-year projection to age 90
- Unlimited goals
Lifetime
One payment. Pro features forever.
- Everything in Pro
- No renewals
- Future Pro features included
Ready to find your FIRE date?
The Australian FIRE calculator that takes 60 seconds to set up. Free to start. No credit card. Built for Australia.
Pro from $99/year. Lifetime $399.
