FIRE & Retire · Financial freedom

FIRE Calculator — Your FIRE number.

Financial Independence, Retire Early. Find the portfolio that funds your lifestyle forever — and when you’ll reach it.

What you enter

  • Annual expenses
  • Progress
  • Invested / yr

How this is calculated

Your FIRE number is annual expenses divided by your withdrawal rate — at the classic 4%, that's 25× expenses. We then simulate your portfolio growing at your expected return with your annual investing, and report when it crosses the number.

Common questions

Where does the 4% rule come from?

The Trinity study and successors: historically, a portfolio of shares and bonds survived 30-year retirements in almost all periods when withdrawals started at 4% of the balance and grew with inflation. It's a planning heuristic, not a guarantee — early retirees with 50-year horizons often target 3.5% or lower.

Does FIRE work with Australian super?

Super is locked until preservation age 60, so retiring at 45 means funding 15 years from outside-super investments alone. That bridge period is the binding constraint for most Australian early retirees — model it properly with the Super FIRE calculator.

Do I include my home in the FIRE number?

No — your home doesn't produce income to withdraw. Owning it outright instead lowers your annual expenses, which lowers the FIRE number. Include only income-producing, sellable assets in the portfolio.

How does it rank?

Once you have your result, see how your number compares against your demographic with our full money rank — by age, sex, state and household composition.

Methodology & data

INDICATIVE · 4% RULE. Australian context, FY 2026–27 tax brackets by default (15% lowest marginal rate from 1 July 2026) with a financial-year selector on tax calculators. Calculations are indicative and based on simplified public models — not personal financial, tax or legal advice. See the full disclaimer.

Primary data sources

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