FIRE Calculator — Australia
Work out the earliest age you could retire and stay retired. This model runs your real cash flow year by year — tax, employer contributions, investment growth and fees — then tests every possible retirement age to find the first one that survives all the way to your planning horizon.
Your situation
Everything in today's dollars.
Retirement age
Income & spending
Take-home after tax: $104,330
What you have invested
Earliest FIRE age
Age 51
That is 16 years from now, around 2042. From that age the portfolio funds your spending all the way to 92, including the years before Super unlocks.
- Target portfolio
- $1,875,000
- Projected at retirement
- $1,531,112
- Savings rate
- 31%
Save this scenario. Compare plans side by side, track progress, and export the full year-by-year schedule.
See plansWhy you can retire on less than the 4.0% target
Portfolio through to your planning horizon
Shown in today's dollars, so every figure keeps the purchasing power you understand right now.
- Outside super
- Super
- Target to sustain spending
- Left at the end
- $363,184
- Money runs out
- Never
- Year one saving
- $36,610
In today's dollars, at age 92
Including employer contributions
The bridge: 9 years before Super unlocks
Retiring at 51 means funding everything from investments outside super until age 60.
- Needed for the bridge
- $675,000
- Accessible at retirement
- $876,633
- Surplus
- $201,633
9 years of spending
Investments outside super
The bridge holds
What actually moves your date
Each row changes one thing and re-runs the whole projection.
Spend $5k less a year
Cuts both what you need and what you must save towards.
-1 yr
Age 50
Earn 10% more
A raise, with the extra going straight to investments.
-2 yr
Age 49
Cut fees by 0.5%
Switching to a lower-cost fund or platform.
-1 yr
Age 50
Returns 1% lower
A more pessimistic market than the one you assumed.
+3 yr
Age 54
Live 5 years longer
A longer horizon the portfolio has to stretch to cover.
No change
Age 51
Retire on 10% more
A more comfortable retirement budget than you planned for.
+1 yr
Age 52
Where your money goes this year
Based on Australia rules for the 2026-27 tax year.
- Gross income
- $140,000
- Salary sacrifice into super
- $0
- Income tax
- −$32,870
- Medicare levy
- −$2,800
- Take-home pay
- $104,330
- Spending
- −$82,000
- Into outside super
- $22,330
- Employer SG (12%)
- $16,800
- Contributions tax
- −$2,520
- Into super
- $14,280
Year by year
Retirement years are shaded.
| Age | Year | Spending | Outside super | Super | Total |
|---|---|---|---|---|---|
| 35 | 2026 | $82,000 | $119k | $185k | $305k |
| 36 | 2027 | $82,000 | $149k | $207k | $356k |
| 37 | 2028 | $82,000 | $180k | $231k | $411k |
| 38 | 2029 | $82,000 | $215k | $255k | $470k |
| 39 | 2030 | $82,000 | $251k | $281k | $532k |
| 40 | 2031 | $82,000 | $291k | $307k | $598k |
| 41 | 2032 | $82,000 | $333k | $335k | $669k |
| 42 | 2033 | $82,000 | $379k | $365k | $744k |
| 43 | 2034 | $82,000 | $428k | $395k | $823k |
| 44 | 2035 | $82,000 | $480k | $428k | $908k |
| 45 | 2036 | $82,000 | $536k | $461k | $997k |
| 46 | 2037 | $82,000 | $596k | $496k | $1.09m |
| 47 | 2038 | $82,000 | $659k | $533k | $1.19m |
| 48 | 2039 | $82,000 | $727k | $572k | $1.30m |
| 49 | 2040 | $82,000 | $800k | $612k | $1.41m |
| 50 | 2041 | $82,000 | $877k | $654k | $1.53m |
| 51 | 2042 | $75,000 | $841k | $682k | $1.52m |
| 52 | 2043 | $75,000 | $804k | $711k | $1.51m |
| 53 | 2044 | $75,000 | $764k | $740k | $1.50m |
| 54 | 2045 | $75,000 | $723k | $771k | $1.49m |
| 55 | 2046 | $75,000 | $680k | $804k | $1.48m |
| 56 | 2047 | $75,000 | $634k | $837k | $1.47m |
| 57 | 2048 | $75,000 | $586k | $873k | $1.46m |
| 58 | 2049 | $75,000 | $535k | $909k | $1.44m |
| 59 | 2050 | $75,000 | $482k | $947k | $1.43m |
| 60 | 2051 | $75,000 | $480k | $934k | $1.41m |
| 61 | 2052 | $75,000 | $477k | $920k | $1.40m |
| 62 | 2053 | $75,000 | $474k | $906k | $1.38m |
| 63 | 2054 | $75,000 | $471k | $892k | $1.36m |
| 64 | 2055 | $75,000 | $467k | $877k | $1.34m |
| 65 | 2056 | $75,000 | $463k | $861k | $1.32m |
| 66 | 2057 | $75,000 | $459k | $845k | $1.30m |
| 67 | 2058 | $75,000 | $454k | $829k | $1.28m |
| 68 | 2059 | $75,000 | $449k | $812k | $1.26m |
| 69 | 2060 | $75,000 | $444k | $794k | $1.24m |
| 70 | 2061 | $75,000 | $438k | $776k | $1.21m |
| 71 | 2062 | $75,000 | $431k | $758k | $1.19m |
| 72 | 2063 | $75,000 | $424k | $738k | $1.16m |
| 73 | 2064 | $75,000 | $417k | $718k | $1.13m |
| 74 | 2065 | $75,000 | $408k | $698k | $1.11m |
| 75 | 2066 | $75,000 | $400k | $677k | $1.08m |
| 76 | 2067 | $75,000 | $390k | $655k | $1.04m |
| 77 | 2068 | $75,000 | $380k | $632k | $1.01m |
| 78 | 2069 | $75,000 | $370k | $608k | $978k |
| 79 | 2070 | $75,000 | $358k | $584k | $942k |
| 80 | 2071 | $75,000 | $346k | $559k | $905k |
| 81 | 2072 | $75,000 | $333k | $533k | $866k |
| 82 | 2073 | $75,000 | $319k | $506k | $825k |
| 83 | 2074 | $75,000 | $304k | $478k | $782k |
| 84 | 2075 | $75,000 | $289k | $449k | $738k |
| 85 | 2076 | $75,000 | $272k | $419k | $691k |
| 86 | 2077 | $75,000 | $254k | $388k | $642k |
| 87 | 2078 | $75,000 | $235k | $356k | $591k |
| 88 | 2079 | $75,000 | $215k | $323k | $538k |
| 89 | 2080 | $75,000 | $194k | $288k | $482k |
| 90 | 2081 | $75,000 | $172k | $253k | $424k |
| 91 | 2082 | $75,000 | $148k | $215k | $363k |
Save this scenario. Compare plans side by side, track progress, and export the full year-by-year schedule.
See plansHow this works
When can I retire, and will it actually hold?
Why this differs from a simple 4% rule
Multiplying your spending by 25 gives you a target, not a plan. It ignores the fact that a large share of your wealth is locked away until preservation age, that your contributions are taxed differently on the way in, and that fees compound against you for decades. This calculator simulates all of it.
How the earliest retirement age is found
The model builds your full accumulation path, then for every candidate age it runs a complete drawdown to your planning horizon. The earliest age where the money never runs out — including through the bridge years before your retirement accounts unlock — is your FIRE age.
What to do with the answer
Treat it as a direction, not a date. Move one input at a time — spending, savings rate, expected return — and watch how many years it buys you. Spending is almost always the most powerful lever, because every dollar cut both raises your savings and lowers the target you are saving towards.
Keep going
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Fat FIRE
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