Financial Independence, Retire Early

Australian FIRE calculator

Find out when you could stop working for good — and see the catch unique to Australia: your super is locked until 60, so you need a “bridge” of investments outside super to retire earlier.

When could you reach financial independence?

FIRE = enough invested that you never have to work again. In Australia there's a catch: super is locked until 60.

Your age

Annual spending in retirement

Investments outside super (now)

Shares, ETFs, savings — money you can access any time

Super balance (now)

Locked until age 60

Saved outside super / year

Super contributions / year

~12% of a $75k salary

On these settings, you could be financially independent at

age 5722 years away

Your FIRE number is $1,371,000 — 25× your annual spending.

The bridge (now → 60)

$149,343

needed outside super to cover spending until you can access super at 60.

You'd have $916,367 outside super at 57.

Super (age 60+)

$570,489

projected super at 60, which then funds the rest of retirement.

Locked until 60 — it keeps compounding while you live off the bridge.

Your wealth, split by what you can actually reach before 60

Outside super (your bridge)Super (locked until 60)

For context, $54,840/year is around or above the ASFA “comfortable” standard for a single homeowner ($54,840/yr, December 2025).

Modelled in today's dollars at a 5% real return and a 4% withdrawal rate. These figures are a guide, not financial advice. The Age Pension (from 67) is ignored, so real-world outcomes are usually a bit better.