Releases ship continuously and we bundle the user-facing changes here roughly weekly. Newest first.
v2026.06.07·
Add extra income like Family Tax Benefit to your plan
You can now record tax-free payments you receive for a set age range, like Family Tax Benefit or Carer Payment, on the tracking page. Your plan counts them as extra savings while you are still working and as income that lowers how much you draw from your savings in retirement. Also new this week: a blog post on Division 293 tax for high earners.
New
Record tax-free payments you receive for a set age range, like Family Tax Benefit or Carer Payment, on the tracking page. During your working years they add to your savings, and during retirement they reduce how much you need to draw down. They appear as their own line in the year-by-year view and the retirement income chart.
New blog post on Division 293 tax: when high earners pay an extra 15% on super, and how to plan around it.
v2026.05.27·
Try ProjectFi without signing up, plus a four-tab dashboard layout
Build your full FIRE plan, see the dashboard, sketch scenarios, log snapshots, and set goals - all without creating an account. Sign up only when you want to save and run real Monte Carlo. The dashboard's Year-by-year table also moves into its own tab so each view has a single focus.
New
Build your full FIRE plan without creating an account. Step through the onboarding wizard, explore the dashboard, sketch a scenario, log a snapshot, set a goal. Sign up only when you want to save your plan and run real Monte Carlo.
The Year-by-year table now lives in its own dashboard tab, separate from Retirement Income. Each tab focuses on one view instead of one long scroll.
Click any earlier step in the onboarding wizard's top progress chips to jump back and review or change your answers.
Improved
Onboarding wizard refreshed with a gradient backdrop, a projection preview that stays visible as you scroll, and a progress strip that highlights the steps you have completed.
Skip ahead with example numbers fills every step with believable defaults so you can move through quickly and land on the dashboard with a plan you can adjust later.
Returning to the homepage after starting a plan now takes you straight to your dashboard instead of restarting the wizard.
Fixed
Step 5 (Property and Assumptions) Next button now advances for renters and people without a mortgage. Previously the form silently rejected the click when those fields were left at zero.
The Create account form now shows verification and surfaces the actual error if signup fails, instead of a generic try-again message.
The guided dashboard tour no longer ends when you close the strategy editor it opened. You can edit your picks freely and the tour stays open until you press Next.
The Year-by-year step of the dashboard tour now switches to the right tab before highlighting the table.
v2026.05.24·
Budget 2026 banner is now dismissable, and scheduled cancellations show correctly
Improved
Dismiss the Budget 2026 banner when you no longer need the explainer - the toggle stays accessible in the plan details drawer.
When Budget 2026 rules are turned on, a compact indicator stays visible so you always know the rules are affecting your projections.
The Budget 2026 toggle is now available inside the plan details drawer, so you can switch it on or off after dismissing the banner.
Fixed
Cancelling your subscription now correctly shows the cancellation date, the reactivate option, and sends the confirmation email.
The mortgage card no longer shows a misleading 100% paid-off bar - the payoff age and related details remain.
v2026.05.19·
Budget 2026 dashboard toggle and three new blog posts on the property tax changes
An optional Budget 2026 switch on your dashboard re-runs your FIRE projection under the proposed new rules. Three new blog posts walk through the property tax changes for FIRE investors. Also new this fortnight: a free CGT calculator, a household assets page, and a daily tips drawer.
New
Optional Budget 2026 switch on your dashboard re-runs your FIRE projection under the proposed Budget 2026 rules: inflation-indexed CGT with a 30% minimum tax, negative gearing limited to new builds, and the new $250 Working Australians Tax Offset and $1,000 instant work-expense deduction. Off by default. A banner reminds you the rules are proposed, not law.
New blog post walks through whether to sell an investment property before the 1 July 2027 CGT rule change, with three worked examples for owners deciding between selling now or holding through.
New blog post explains the 2026 negative gearing reform for FIRE investors: which properties stay grandfathered, which keep the wage offset, and what changes on 1 July 2027.
New blog post runs five real scenarios through the CGT calculator: a small share sale in early retirement, a portfolio rebalance, a sale at peak earnings, a JobSeeker recipient using the exemption, and a long-held property across the regime change.
Free calculator at /cgt-discount-changes-calculator compares the old 50% CGT discount with the new inflation-indexed discount and 30% minimum tax floor announced in Budget 2026.
New /assets page lets you view and edit your home, investment properties, cash, super, non-super investments, and HECS balances in one place.
Daily tips drawer surfaces a relevant next action each day, with options to snooze, complete, or turn off tips you don't need.
Blog post breaks down how the 2026 Federal Budget changes CGT, negative gearing, and discretionary trust rules for Australian FIRE planners.
Monte Carlo simulations in the scenarios view now draw from the same monthly credit as the dashboard, so your free runs work across both.
Improved
The CGT calculator's income-support exemption now covers all qualifying payments - including JobSeeker, DSP, and Carer Payment - not just the Age Pension.
Four tip actions that previously just reloaded the current page now open the relevant form or highlight the relevant control directly.
Fixed
Privacy controls now work reliably in Edge and other browsers with strict privacy settings.
v2026.05.12·
Sharper tracking, clearer super contribution limits, and a tidier Settings
A batch of upgrades for the tracking and planning experience. Tracking can now derive a savings rate from your balance growth without you entering income and expenses every month, and a new card captures what you paid for your taxable investments. Super planning shows your remaining concessional and non-concessional headroom against the current ATO caps as you edit. Settings has been reorganised so identity, account, and display preferences live in one place.
New
A new Tax facts card on the tracking page lets you record what you paid for your taxable investments. The figure sharpens the capital-gains estimate when the projection sells those investments to fund retirement.
The savings rate chart on the tracking page can now derive an implied savings rate from your balance growth and profile income, so you no longer need to enter income and expenses on every snapshot. Months where you have entered both still show alongside the implied line.
Voluntary concessional and non-concessional inputs in the strategy drawer now show live cap context as you type: your estimated employer Super Guarantee, your voluntary amount on top, and the total against the ATO cap. A Max out cap link fills the input with whatever room is left under the cap.
Super contribution caps for FY2026-27 are now the ATO's published figures: $32,500 concessional, $130,000 non-concessional, $2.1 million transfer balance cap. The strategy drawer notes when each cap steps up on 1 July 2026.
Tax on super balances above $3 million is now factored into projections automatically.
Phase ages and labels are editable inline on the dashboard so you can shape your go-go, slow-go and no-go years without leaving the chart.
Hovering over a tracked year on the FIRE projection chart now shows your super, partner super and non-super for that year alongside the household total.
A dotted bridge line on the FIRE projection chart connects your most recent snapshot to the start of the projection so the timeline reads as one continuous story.
Improved
Settings now houses identity, account, billing, display preferences, privacy, data export, and the danger zone in one tidy stack.
The non-super contribution split for couples lives in the strategy drawer alongside the rest of your Accumulation choices, with your name and your partner's name labelling the slider.
Saving a snapshot on the tracking page updates the dashboard projection on the next view, no refresh needed.
Light-mode chart tabs and cards have a stronger active state and more contrast against the page background.
The feedback button on desktop now lives in the sidebar next to Sign out so it never overlaps a card on the page.
Adjusting any dashboard slider no longer resets the chart's zoom range.
Editing strategies in the slide-over now keeps your entered values visible all the way through the save.
Fixed
Tracking the HECS balance is now possible from any account, not only when one has been recorded previously.
The investment-property-in-FIRE-balance toggle in Settings now reliably reflects its saved value after you navigate away and return.
v2026.05.10·
Slider works correctly on desktop browsers again
Fixed
Sliders on desktop now respond to clicks properly in Chrome, Edge, and Safari on both Windows and Mac.
v2026.05.09·
Retirement phase sliders, super recontribution strategy, and Div 293 carry-forward modelling
This release adds three planning features driven by community feedback, alongside a batch of UX fixes for mobile sliders, calculator contrast, and analytics privacy.
New
Retirement spending phases now have their own sliders on the dashboard - toggle between a single figure or per-phase amounts without losing your saved data.
The engine can now model recontributing surplus drawdown back into super (up to age 75 and the $120k non-concessional cap) as a retirement surplus strategy.
The Div 293 calculator now models carry-forward concessional contributions, with eligibility gating on your total super balance and the $500k threshold.
Your name and date of birth are editable directly in Settings.
Privacy controls in Settings let you opt out of usage tracking. Your browser's Do Not Track setting is also respected automatically.
Improved
Slider income and savings caps on the marketing calculators have been raised to suit higher-income users - annual savings on the Coast FIRE card now goes to $250k.
Typing a value above a slider's maximum no longer snaps back to the cap - the engine uses what you typed.
Calculator cards on the calculators page now have a clearly visible gray background and stronger shadow so each card reads as a distinct tappable unit.
Strategy cards on the dashboard now show a pencil icon and "EDIT" label so it is obvious you can tap them to change your selection.
Fixed
Scrolling on a phone no longer accidentally moves a slider when your finger lands on the track.
Privacy controls now work reliably in Edge and other browsers with strict tracking prevention.
v2026.05.05·
Eight new FIRE calculators plus mobile menu fixes
This release adds a suite of Australian-specific calculators covering Coast FIRE, super projections, Division 293, HECS repayments and more. It also fixes a mobile layout bug that pushed the hamburger menu off-screen and caused headings to overlap the top navigation bar.
New
Calculate your Coast FIRE date - when you can stop contributing and let super grow on its own.
Check your concessional super cap headroom for the year, including unused carry-forward amounts.
Estimate your Age Pension entitlement under the Centrelink assets test.
Calculate your Division 293 tax surcharge if your income plus super contributions exceed $250,000.
Work out how much you need outside super to bridge the gap before you can access it.
Project your future super balance with sliders for salary, contributions and returns.
Compare salary sacrifice into super against investing the same amount outside super.
Calculate your HECS-HELP repayment for the current financial year under the marginal-band system.
Fixed
Hamburger menu was pushed off-screen on mobile, requiring horizontal scrolling to reach it.
Calculator page headings overlapped the fixed navigation bar when scrolled to the top on mobile.
v2026.04.27·
Savings allocation profile: automate the inside vs outside super split
A new strategy field that automates the "front-load super while concessional contributions compound at 15 percent, then pivot to non-super to fund the bridge" pattern. Inspired by the Passive Investing Australia framing on how much to save inside vs outside super; ProjectFi can implement it directly because the engine already computes the bridge-funding minimum.
New
New "Savings allocation profile" picker on the strategy editor with four modes: manual (you set voluntary contributions yourself), bridge-aware split (engine targets the bridge fund first, then super), front-load super (max concessional until a switch age, then pivot to non-super), and late pivot to non-super (run today's plan to a pivot age, then full surplus to non-super)
New "Savings split" chip in the dashboard strategies row so you can see at a glance which profile the engine is honouring
Scenarios can override the savings allocation profile per-scenario, in addition to all the existing strategy overrides
v2026.04.26·
ProjectFi is now open to Australians
Milestone
Welcome to the first public release. ProjectFi is a financial independence and early retirement planning tool built around the way Australian rules actually work. Try the free calculator on the homepage, or create a free account to save scenarios and track your progress over time.
New
Find your earliest realistic FIRE date with proper modelling of Australian super, income tax, HECS, and Age Pension
Plan the bridge years between early retirement and when super unlocks at 60, the gap most calculators skip entirely
Stress-test your plan with Monte Carlo simulations across 1,000 market paths so you see a range of outcomes, not a single number
Plan as a couple with separate super balances, per-person tax, and a shared drawdown order
Save scenarios and compare what-ifs side by side: extra contributions, a later retirement age, different expense assumptions
Track monthly snapshots and see at a glance whether you are on track for your target FIRE age
Read five long-form guides covering the bridge to super, preservation age, the FIRE number, Coast FIRE, and Monte Carlo vs the 4 percent rule
Browse the methodology page for a plain-English breakdown of every rule the engine applies, from SAPTO to Division 296