FIRE Number Calculator
Works out how much you need invested to retire early on your current spending.
Your result
Estimate only. Results update as you type.
How this calculator works
FIRE number = annual expenses ÷ withdrawal rate. At 4% that is 25 times your spending.
Worth knowing
Australians can’t access super before preservation age, so early retirees need enough outside super to bridge the gap.
Guides for this calculator
- FIRE Number Calculator Explained for Australians
- FIRE Number Mistakes Australians Make and How to Avoid Them
Questions
- Are the projections guaranteed?
- No. Investment returns vary from year to year. Treat projections as a guide for planning, not a forecast.
- What is the super guarantee rate?
- It is 12% of ordinary time earnings from 1 July 2025.
- Should I get advice?
- For decisions like salary sacrifice, contribution strategies or retirement income, a licensed financial adviser can look at your full situation. This site provides general information only.
This calculator gives general estimates using published Australian rates and formulas. It doesn’t consider your personal circumstances. Check current figures with the ATO, your state government or a qualified professional before making decisions. See our disclaimer.