Enter your current net worth, monthly savings, expected return, and annual expenses to find your financial-independence date — and whether you are already Coast FI against Super preservation age 67.
An Australia-localised calculator pre-filled in AUD. Use it to project growth inside Superannuation (concessional or non-concessional) or in a personal investment account outside Super.
FIRE rests on one formula: FI target = annual expenses ÷ safe withdrawal rate. At 4% SWR that is 25× your expenses. Once your portfolio hits that number it can sustain inflation-adjusted withdrawals indefinitely.
In an Australian context: Superannuation is the core tax-advantaged vehicle — concessional contributions (employer SG + salary sacrifice) are taxed at 15%, and earnings inside Super are taxed at 15% in accumulation phase. After age 60, Super drawdowns are entirely tax-free. The Super Guarantee is 12% of ordinary time earnings from July 2025.
For early retirement before the Super preservation age, you need a non-super "bridge" portfolio (personal investments, ETFs, property) to fund living expenses until Super becomes accessible. The preservation age for those born after 1964 is 60 (with a transition-to-retirement strategy) or 67 for full unrestricted access and the Age Pension. The Coast FIRE check above uses 67 as the target age.
Worked example: A A$15,000 Super balance plus A$500/month at 7% for 25 years grows to roughly A$425,000. With the 15% concessional tax rate on earnings, this is well ahead of an equivalent non-super account at marginal income tax rates.
FIRE (Financial Independence, Retire Early) means building a portfolio large enough to live off indefinitely. In Australia, Super is the primary vehicle — but early retirees also need a non-super bridge portfolio for the years before preservation age.
The SWR is the annual percentage you can withdraw without running out of money. The Trinity Study found 4% survived 95% of 30-year scenarios. For 40+ year Australian retirements, 3–3.5% provides additional margin.
For a growth Super fund with global equity exposure, 6–8% nominal is a common historical assumption. In accumulation phase, earnings are taxed at 15%; after 60 in pension phase, tax-free. Outside Super, full marginal rates apply and 50% of long-term capital gains are taxable.
Coast FIRE: your Super can grow to FI by preservation age (67) without further contributions — you only need to fund living expenses until then. Lean FIRE: under ~A$30,000/year. Fat FIRE: A$80,000+/year. Change the annual expenses input.
Super: concessional contributions and earnings taxed at 15% (accumulation phase); tax-free after age 60 (pension phase). Outside Super: full marginal rates apply; 50% of long-term capital gains are taxable. The Super Guarantee is 12% of ordinary time earnings (July 2025). Preservation age for those born after 1964 is 60 (with transition-to-retirement) or 67 (full unrestricted access and Age Pension).
ProFinanceCast turns one-off calculations into a living 10-year forecast. Free forever for the core forecast.