FIRE calculator

Work out how long until Financial Independence based on your current investments, how much you save each year, and what you plan to spend in retirement.

Your FI plan

Current age

Current investments (AUD)

Annual savings (AUD)

Target annual spend (today's dollars)

Expected real return (% p.a.)

SWR multiplier (25 = 4% rule)

Your FI number

$1,500,000

16 years to FI — you'd reach it at age 51.

Assumptions

All figures are in today's dollars — the return input is a real (post-inflation) return.
Single-portfolio model: super and non-super are treated as one pot.
Contributions happen at year-end. Growth is compounded annually on the prior balance, then the contribution is added.
SWR multiplier of 25 corresponds to the 4% rule; 30 is more conservative (≈ 3.3%).
Doesn't model Australian super access rules (preservation age), property, insurance, or tax on drawdowns.