You withdraw 4% of your portfolio in year one, then adjust for inflation. Historically this has sustained a 30-year retirement.

Should I include super?

Yes, if you are projecting past preservation age. Before that, treat super separately.

FIRE Projection Planner

Project when you reach financial independence

Enter your assets, savings rate and FI target to see your timeline

Your FIRE Numbers

Enter your assets, savings and FI target

Current investable assets ($)

Monthly savings ($)

Expected growth rate (% p.a.)

Target type

Annual expenses ($)

Expense multiplier (e.g. 25 = 4% rule)

FIRE Projection

You reach FI in 18 years

FI target

$1,250,000

Years to FI

How to Use This Calculator

What is FIRE?

FIRE stands for Financial Independence, Retire Early. The goal is to build enough assets to cover your expenses without working.

The 4% rule suggests you can withdraw 4% of your portfolio annually. So 25x annual expenses is a common FI target.

Key factors

Tips

Frequently Asked Questions

Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.

Rates and thresholds last updated for the 2024–25 financial year.

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