FIRE & Retirement Planning

Plan your retirement under Australian tax settings

Compare ETF vs property paths, stress-test your FIRE plan, calculate super longevity, and model safe withdrawal rates.

9 Calculators
4 Guides
2025–26 Tax Year
Start here

FIRE Calculator — ETF vs Property

Full Australian tax modelling for both paths. Compare timelines, project drawdowns, and stress-test your assumptions under real tax settings.

Open calculator

How early can I retire?

FIRE Calculator ETF vs property comparison with full AU tax modelling
Retire Early Calculator Plan your early retirement timeline and savings target
Coast FIRE Calculator Find when you can stop saving and coast to retirement

How much do I need?

How Much to Retire Calculate your retirement savings target for Australia
4% Rule Calculator Test safe withdrawal rates under Australian conditions
Can I Retire at 60? Check if your savings support retirement at 60

Will my super last?

How Long Will Super Last? Model your superannuation drawdown and longevity
60
Super Needed at 60 Calculate super balance required to retire at 60
55
Super Needed at 55 Calculate super balance required to retire at 55

Guides

Calculator Assumptions Understand the models behind our FIRE calculators ETF vs Property Guide Detailed comparison methodology and considerations Stress-Test Your Plan How to validate your retirement assumptions Staged Contributions Model increasing savings as your income grows

Frequently asked questions

What is FIRE and how does it work in Australia?

FIRE stands for Financial Independence, Retire Early. In Australia, it means building enough investments outside super (and eventually inside super) to cover your living expenses without employment income. Australian FIRE planning must account for the tax-free threshold, Medicare levy, CGT discount, franking credits, and the gap between early retirement and superannuation preservation age.

How much do I need to retire in Australia?

A common starting point is 25 times your annual expenses, based on the 4% rule. For example, if you spend $60,000 per year, you would target around $1.5 million in invested assets. However, the right number depends on your age, super balance, whether you own your home, and your expected lifestyle costs.

What is the 4% rule and does it work in Australia?

The 4% rule suggests you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation each year, with a high probability of not running out over 30 years. It was developed using US market data, so Australian retirees should stress-test with lower withdrawal rates (3-3.5%) to account for a smaller domestic market and different tax treatment.

How does superannuation affect early retirement planning?

Super is tax-advantaged but locked until preservation age (currently 60 for most Australians). Early retirees need a bridge portfolio of investments outside super to fund living costs until they can access their super balance. This two-bucket approach is central to Australian FIRE planning.

What is Coast FIRE?

Coast FIRE is the point where your existing investments, left to grow without further contributions, will reach your retirement target by a traditional retirement age. Once you hit Coast FIRE, you only need to earn enough to cover current expenses and can stop saving aggressively, giving you more career flexibility.