Step 3 · What it means

When can you stop working?

Australia's retirement is a two-pot problem: super is locked until 60, so your investments have to bridge the gap. This models both.

Two-pot modellingFY 2026–27Real (inflation-adjusted) dollarsNothing leaves your browser

Your numbers

$
$
$
$
$

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:
Assumptions used in this projection
  • Super Guarantee 12% of salary, 15% contributions tax (within cap)
  • Concessional cap $32,500/yr (FY 2026–27)
  • Default return 7.5% nominal, 5% real after ~2.5% inflation — on both pots
  • Safe withdrawal rate: 4.0% (overridable in Advanced)
  • Super preservation age 60; the bridge must last until then
  • All values in today's dollars (real terms) unless nominal mode is on
  • Excludes Age Pension, insurance in super, and market sequence risk

    • FY 2026–27 estimates only, not financial advice.

    Wealth at FIRE age 50
    $845,496
    vs your FIRE number of $1,500,000 (25× spend)
    Shortfall of $654,504 at 50 — see options below.

    The two pots

    Outside super
    $443,562
    Accessible immediately — your bridge to 60
    Super
    $401,934
    Locked until age 60
    Max sustainable spend
    $44,007/yr
    Retiring at your target age
    Earliest FIRE age
    54
    At your target spend
    ⚠ Bridge gap: your outside-super pot runs dry at age 58, before super unlocks at 60. Boost outside-super investing or retire later.

    Wealth projection

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

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    Retire earlier by earning what you're worth.

    Subscribers get matching jobs with real pay attached, plus the monthly Pay Report — so the salary line in this model keeps climbing.