Retirement planning FIRE · super · pension

When can you
stop working?

Model your path to financial independence with calculators calibrated to Australian tax rules, super access ages, and the Age Pension.

Your number 25× spend · 4% rule
Target invested assets $1,500,000
/ year you spend
Get your full timeline
Calculators

Retirement Calculator

When can I retire? See your retirement age, Coast FIRE age, and how to accelerate your timeline.

Calculate

Super Planning

Is my super enough? Project your balance, model drawdowns, and plan your bridge strategy.

Plan

Age Pension

Estimate your Centrelink Age Pension using the income test, assets test, and deeming rules.

Estimate

Super Balance by Age

How do you compare? ATO peer median + ASFA target at 67 — find the gap and the monthly catch-up.

Compare
Key numbers for 2025–26
Preservation age
60
Age Pension age
67
Concessional cap
$30k
Guides
Guide

Calculator Assumptions

What the model covers and what it does not.

Read → Guide

Investment Assumptions

ETF and property return, tax, and cost assumptions.

Read → Guide

Stress-Test Your Plan

Sensitivity analysis and scenario comparison.

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Staged Contributions

Model changing savings across three life stages.

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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.

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