Coast FIRE Calculator Australia
Find out whether your investments could grow to your FIRE number by your chosen retirement age without adding another dollar.
All amounts are in Australian dollars (AUD).
Adjust your plan
Move the sliders or enter exact amounts.
Your estimate
Updates instantly as your numbers change.
Coast FIRE number today
$369,128
About $219,128 more invested today would get you there.
FIRE number at retirement
$1,250,000
Annual spending divided by a 4% withdrawal rate.
Your investments at retirement
$507,953
What today's investments could grow to over 25 years with no more contributions.
How this calculator works
Your FIRE number is your yearly retirement spending divided by a withdrawal rate. The Coast FIRE number is that target discounted back to today at your expected return after inflation. If your investments already match it, they could reach your FIRE number on their own, and you only need to earn enough to cover today's spending.
Important assumptions
- The return is entered after inflation and stays constant until retirement.
- No further contributions are made after today.
- Tax, fees, super access conditions and Age Pension are not included.
These results are general illustrations only and are not financial advice. Actual outcomes can differ.
Turn the estimate into a living plan
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Common questions
Terms explained
- FIRE number
A FIRE number is the invested amount you need for your investments to cover your yearly spending, often 25 times annual spending.
- Compound interest
Compound interest is earning returns on your past returns as well as on the money you put in.
- Real return
A real return is an investment return after inflation, which shows how much your buying power actually grew.
- Net worth
Net worth is everything you own minus everything you owe.