Project your path to Financial Independence
Know exactly when you can retire.
(No guessing.)
The only FIRE planner built for real Australian tax brackets, superannuation rules, and the Age Pension.
Free forever · No signup · No credit card
Real projection from ProjectFi — not a mockup
🇦🇺 Built for Australian tax, super & pension
Real Australian tax brackets — not "enter your marginal rate"
Superannuation with caps, Division 293 & preservation ages — not 401(k) approximations
HECS/HELP repayment thresholds — built into every income calculation
Super Guarantee at 12% — the actual legislated rate
Age Pension modelling — assets test, income test, Work Bonus — all included
This is what your plan actually looks like
Monte Carlo Simulation
1,000 simulated futures show your probability of reaching FIRE early, on time, or late.
Confidence Bands
See the range of outcomes based on randomised annual returns — best case, median, worst case.
Retirement Income Sources
Year-by-year breakdown of super, Age Pension, and investments funding your retirement.
See how Australians like you found their number
Six people. Six incomes. Six paths to financial independence. All modelled with Australian tax, super, and pension rules.
Maya
Library tech. $72k income. Retiring at 42.
FIRE Age: 42
FIRE Number: $650,000
Read Maya's story
James & Priya
Hit their coast number at 30. Now just… coasting.
FIRE Age: 60
FIRE Number: $1,875,000
Read James's story
Sam
Ex-engineer. Semi-retired at 42. Living on $36k/yr while $480k compounds.
FIRE Age: 55
FIRE Number: $800,000
Read Sam's story
Aisha & Tom
Half their FIRE number hit at 40. Now letting compounding close the gap.
FIRE Age: 55
FIRE Number: $1,750,000
Read Aisha's story
David & Leanne
Dual income, disciplined savings, retiring at 50. The textbook path.
FIRE Age: 50
FIRE Number: $2,000,000
Read David's story
Ravi
Surgeon. $420k income. $4M target. The projection said age 52. Reality said 55.
$1.2M shortfall — honest planning in action
FIRE Age: 52
FIRE Number: $4,000,000
Read Ravi's story
Run the numbers for your situation
Enter your income, expenses, and savings. Get your projected FIRE date in seconds — with real Australian tax, super, and pension rules built in.
Free FIRE Calculator
No account needed. Enter your numbers below.
About You
Income & Expenses
Leave blank to use your current expenses
Your Wealth
Employer SG: $12K/yr + Your extra: $0/yr = Total: $12K/yr (cap: $30,000)
🎲 Monte Carlo Simulation — 1,000 futures
⚠️ Not financial advice. Projections are estimates only. Terms
Want the full picture? Sign up for year-by-year projections, scenario modelling, and Monte Carlo simulation.
Create your free plan →What are the odds your plan survives a market crash?
Hope isn't a retirement strategy. ProjectFi runs 1,000 Monte Carlo simulations of your financial future — varying market returns, inflation, and sequence-of-returns risk — to show you the probability your plan actually works.
You'll see exactly how many of those 1,000 futures end in early retirement, on-target retirement, late retirement, or never reaching FIRE at all. No hand-waving. No “you'll probably be fine.” Just the numbers.
🟢
Early
FIRE ahead of schedule
✅
On target
FIRE as planned
⚠️
Late
Plan needs adjustment
🔴
Never
Fundamental rethink required
What if you made one change?
ProjectFi lets you compare up to 5 scenarios side by side. Here's what a single change can do:
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 annual expenses
Everything US tools get wrong about Australian FIRE
If your FIRE calculator doesn't know what a concessional cap is, it's giving you the wrong number.
| Feature | US tools | ProjectFi |
|---|---|---|
| Tax system | US federal + state brackets, standard deduction | Australian ATO brackets, Medicare levy, LMITO |
| Retirement accounts | 401(k), IRA, Roth | Super with concessional/NCC caps, Division 293/296, preservation age |
| Employer contributions | Match % (varies) | SG at 12% — the actual legislated rate |
| Student debt | Fixed repayments | HECS/HELP income-contingent thresholds |
| Government pension | Social Security (US-only) | Age Pension with assets test, income test, Work Bonus |
| Couples modelling | Rarely | Dual timelines, staggered retirement, combined household FIRE |
| Currency & inflation | USD, US CPI | AUD, Australian CPI (RBA 2-3% target band) |
Australian ATO tax brackets (not US federal)
Super with concessional caps & Division 293 (not 401(k))
SG at 12% (not "enter your employer match")
HECS/HELP income-contingent thresholds (not fixed repayments)
Age Pension with assets & income tests (not Social Security)
Couples with dual timelines (not single-person only)
🧮
Real tax engine
ATO brackets, Medicare, HECS
📊
Year-by-year projection
Super vs non-super breakdown
🔀
5 scenarios side by side
Salary sacrifice, part-time, raise
🎲
1,000 Monte Carlo futures
Probability bands, not guesses
👫
Couples modelling
Dual timelines, staggered retirement
📱
Works on your phone
Plan anywhere, track monthly
Ready to find your FIRE date?
Free to start. No credit card. Built for Australia.
Or try the free calculator first — no signup required.