FIRE Calculator Australia
Estimate your financial independence number and how many years it could take to reach it from your investments and annual contributions.
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.
Estimated FIRE number
$1,500,000
Annual spending divided by a 4% withdrawal rate.
Estimated time to target
28 years
A simple deterministic estimate using the assumptions entered.
How this calculator works
A FIRE number estimates the invested assets needed to support annual spending at a chosen withdrawal rate. The timeline then grows your current investments and adds annual contributions.
Important assumptions
- Returns and annual contributions remain constant.
- Contributions are added at the end of each year.
- The return is entered after inflation. 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.