Calculator FIRE Guide Super Guide Pension Guide About
Simple Steps

How This Australian FIRE Calculator Works

Plan your path to financial independence in three simple steps

01

Enter Your Financial Data

Input your current age, superannuation balance, investment portfolio, property details, and target retirement income in Australian dollars.

02

Projection Engine Calculates

Our calculator models super growth, investment returns, Age Pension eligibility, and inflation-adjusted income year by year until your plan end age.

03

Review Detailed Results

See year-by-year portfolio projections, retirement income breakdown, Age Pension estimates, and whether your plan is sustainable.

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Superannuation CalculatorModel contributions, employer SG, and compound growth
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Age Pension EstimatorAssets test calculation for singles and couples
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Property StrategyPPOR, downsizing, and downsizer contribution modelling
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Phased Retirement IncomeFlexible income structures (constant, phased, bucket)
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Investment GrowthSeparate modelling for shares, ETFs, crypto, cash
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Super Preservation AgeTracks super vs non-super until age 60

Free Australian FIRE & Retirement Calculator

This free FIRE calculator is designed specifically for Australians planning early retirement or financial independence. Unlike generic retirement calculators, this tool incorporates Australian-specific factors including:

  • Superannuation preservation age (60) — Tracks when you can access your super
  • Age Pension assets test — Calculates potential pension based on 2024-25 thresholds
  • Downsizer contribution ($300,000) — Models property sale proceeds into super
  • Employer Super Guarantee (11.5%) — Projects ongoing super contributions
  • All figures in Australian Dollars (AUD) — No currency conversion needed

Who Should Use This Calculator?

This retirement projection tool is ideal for:

  • Australians pursuing FIRE (Financial Independence, Retire Early)
  • Anyone planning early retirement before age 60
  • Homeowners considering downsizing strategy
  • Couples wanting to model combined super and investments
  • Pre-retirees estimating Age Pension eligibility
Calculator

Projection Calculator

Enter your information and calculate your retirement projection

Personal
Assets
Goals
Results

Personal Information

Enter your basic demographic details

Between 18-85
Must be greater than current age
Default: 90 (max 110)

Assets and Investments

Enter your current financial position

🏦 Superannuation

$
$
Employer + voluntary

🏠 Property

$
$
$
Leave 0 if planning to pay off before retirement
If selling property, mortgage is cleared from proceeds

📈 Other Investments

$
$
$
$
Annual to shares/ETF

Retirement Goals

Set your income targets and preferences

$
In today's dollars (2026 AUD)
$
Lowest liveable income
Sponsored
FAQ

Frequently Asked Questions About FIRE & Retirement Planning

Common questions about using this retirement calculator and FIRE planning in Australia

No, absolutely not. This tool is simply a calculator that performs mathematical calculations based on the assumptions you provide. It does not evaluate your personal circumstances and cannot provide personal financial advice. Always consult a licensed financial adviser (AFSL holder) before making any financial decisions about your retirement.

Results are mathematical projections assuming constant growth rates. In reality, investment returns vary significantly year to year (sequence of returns risk). The calculator does not account for market volatility, taxation changes, inflation surprises, or policy changes. Actual results will differ from projections.

Yes, completely safe and private. All calculations are performed locally in your browser using JavaScript. Your financial data is never sent to any server, never stored, and never shared. When you close the browser, all data is gone. We don't use cookies to track your financial information.

FIRE stands for "Financial Independence, Retire Early". It's a lifestyle movement focused on achieving financial independence before traditional retirement age (65-67) through aggressive saving (often 50-70% of income), smart investing, and controlling expenses. The goal is to accumulate enough assets that investment returns can cover living expenses indefinitely.

The superannuation preservation age is 60 for anyone born after 1 July 1964. This means you cannot access your super until age 60, even if you retire earlier. Early retirees (before 60) must fund their living expenses from non-super investments until they reach preservation age. This calculator accounts for this by tracking super and non-super assets separately.

The downsizer contribution allows Australians aged 55+ to contribute up to $300,000 per person ($600,000 per couple) into superannuation from the proceeds of selling their home. This contribution is outside the normal contribution caps and doesn't count towards the $1.9 million transfer balance cap. It's a powerful strategy for boosting retirement savings when downsizing property.

The Age Pension uses an assets test to determine eligibility and payment amount. For homeowner couples (2024-25), the full pension threshold is $481,500 and the cut-off is $1,074,000. For singles, it's $314,000 and $695,500 respectively. Assets above the threshold reduce pension by $78 per $1,000 per year. Your primary residence (PPOR) is exempt from the assets test.

The calculator uses conservative default assumptions: 6.5% super growth (balanced fund), 8% equity growth, 6% retirement portfolio return, and 2.5% inflation. These are based on long-term historical averages but past performance doesn't guarantee future results. You can adjust these in the Advanced Assumptions section to model different scenarios.