The Finance Algorithm
§ Tool · tier 2 · independent

FIRE Calculator (Financial Independence & Retirement Estimator).

Projects superannuation growth, Age Pension eligibility, and investment returns year by year for Australians planning financial independence or early retirement.

Live dataFree, no signupOn-deviceLiveupd March 2026
Inputs
Your numbers
35

Age in years

55

Age when you want financial independence

$
$120k
$
$300k
$
$55k
$
$50k

For Age Pension eligibility rules

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

The FIRE Calculator helps Australians plan early retirement and financial independence. It projects your superannuation and investments growth, estimates Age Pension eligibility, and simulates your year-by-year retirement outcomes against your income goals.

§ Worked examples

Real-world scenarios

Single Early Retiree

Alex, age 41, wants to retire at 55 with a $1 million portfolio and $50,000 annual income target.

Inputs

currentAge:41retirementAge:55superBalance:220,000investments:780,000retirementIncomeTarget:50,000includePension:truemaritalStatus:Single

Alex’s super and investments last until age 90, with Age Pension eligibility beginning at 67 reducing portfolio drawdown.

Couple Planning FIRE

Lisa and Sam are both 35 with $150,000 in super each and $250,000 in investments. They’re planning to retire at 60 on $80,000 per year.

Inputs

currentAge:35retirementAge:60superBalance:300,000investments:250,000retirementIncomeTarget:80,000includePension:truemaritalStatus:Couple

Their assets fund their needs to age 93, but if market returns are lower than projected, they may need to adjust spending or retire later.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

FIRE (Financial Independence, Retire Early)
A financial strategy focused on amassing enough assets to live off investment returns, achieving work-optional status before the typical retirement age.
Superannuation
A government-mandated retirement savings system in Australia, taxed at concessional rates, with restricted access until preservation age.
Age Pension
Income support payment for eligible Australians over Age Pension age, subject to assets and income tests.
Withdrawal Rate
The percentage of your retirement savings you safely withdraw each year without exhausting your funds (standard: 4%).
Preservation Age
The earliest age at which you can access your super, dependent on your birth year (between 55 and 60).
Inflation Adjustment
Factoring in the rising cost of living to ensure future retirement income maintains purchasing power.
Drawdown
How much you withdraw from your retirement assets each year to cover your spending.