Australian FIRE Calculator

Two-pot retirement modelling · super + investments · FY 2026–27

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FY 2026-27 estimates only, not financial advice. Super Guarantee rate: 12%.

Your work plan

Model reduced hours, a career break, or semi-retirement before stopping completely.

Full-time at current salary → until FIRE age 50baseline
Quick presets:

At FIRE age 50

$845,496

total wealth in today's dollars

Outside super

$443,562

accessible now

Super

$401,934

locked until age 60

FIRE number (annual spend ÷ 4.0% SWR)$1,500,000

56% of FIRE number reached at retirement · bridge phase uses outside-super only

Bridge fails at 58Depleted at 72

Smart insights

Max affordable spend retiring at 50: $44,007/yr(leaves ~$0 at age 90)

Earliest sustainable retirement at $60,000/yr spend: age 54

Wealth projection

Stacked bands: outside-super (green) + super (indigo) = total wealth. Amber region = bridge period where super is locked. Values in real (today's) dollars.

Assumptions used in this projection▼

Super Guarantee: 12% of salary (permanent from 1 July 2025)

Contributions tax: 15% on concessional contributions (within cap)

Concessional cap: $32,500/yr (FY 2026-27)

Preservation age: 60 (super locked until retirement at or after 60)

Tax brackets: FY 2026-27 resident rates (0% / 15% / 30% / 37% / 45%)

Default investment return: 7.5% nominal; 5% real (after 2.5% inflation) — split: 2% yield (taxed annually) + 5.5% growth (CGT-deferred)

Safe withdrawal rate: 4.0% (overridable in Advanced)

All values: in today's dollars (real terms) unless nominal mode is on

Investment tax (phased plan): distributions taxed at your marginal rate each year; capital gains taxed on sale with the 50% discount using an average cost-base method

Assumptions use FY 2026-27 tax and super settings (ATO). Not financial advice. Franked dividends not modelled (would reduce accumulation-phase drag).

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Disclaimer & simplifications

  • FY 2026-27 estimates only, not financial advice. Seek a licensed financial adviser for personalised guidance.
  • Outside-super distribution yield is taxed annually at your marginal rate in the work-phases model. Capital gains use a 50% discount with an average cost-base pool. Franking credits not modelled (candidate v2 toggle).
  • Projection uses real (inflation-adjusted) returns by default; all values shown in today's dollars.
  • Super balance projections are estimates only. Actual super performance depends on your fund, fees, and contributions history.
  • No account for Centrelink, aged pension, or government co-contributions.