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Australian FIRE Calculator · with CGT, mortgage & Super preservation age

Free Australian FIRE calculator — project your FIRE number, retirement age and bridge years

Built for Australia. Models CGT (50% discount), Super preservation age, and the bridge between early retirement and Super access. No signup. Your numbers stay in your browser — share via URL.

FIRE number
$1,904,762
Portfolio needed (4% rule)
Earliest retirement
Age 52.3
in 20.3 years
Bridge status
Bridged ✓
Outside investments cover pre-Super years
Wealth trajectory
Outside investments + Super, projected to age 80
Total Super FIRE target
$0$3.9M$7.9M$11.8M$15.8M324050607080Super unlocksRetire 52.3

Your numbers

Smart insights

CGT impact
With CGT modelled, your FIRE number rises by $154,762 vs ignoring it ($1,750,000 → $1,904,762). Retirement age moves from 51.3 to 52.3.
Max affordable spend if you retire at 50
$57,645
Max affordable spend if you retire at 55
$88,296
Max affordable spend if you retire at 60
$131,748
Projected nest egg at retirement
Outside: $1,661,571 · Super: $246,590
$1,908,160

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How this Australian FIRE calculator works

We compound your outside investments and Super separately at your expected annual return, with your monthly contribution flowing into outside investments. Retirement age = the first month when total wealth meets your FIRE number.

FIRE number = desired spend ÷ 4%, grossed up for CGT when enabled. The CGT adjustment assumes roughly half of withdrawals come from realised gains and applies the 50% discount at your marginal tax rate.

Bridge years = retirement age to Super preservation age (60 in Australia). Outside investments must cover this gap alone.

Frequently asked questions

Why does my FIRE number jump when I tick Include CGT?

Because the 4% rule is on gross withdrawals. When you sell ETFs to fund spending, CGT eats into the net amount. To preserve your desired NET spend, the pool has to be bigger. Most online FIRE calculators ignore this — they understate the target.

What is the Super preservation age?

In Australia, Super is locked until 60 (depending on birth year, can be earlier). If you retire before then, you need a 'bridge' of accessible assets to fund the gap years.

What does 'Bridge fails' mean?

You've hit your total FIRE number but most of it is in Super. Outside investments alone won't fund the years between retirement and Super access. The full AeroWealth dashboard models mortgage offset bridges and bridge-aware retirement age search.

Is the calculator free?

Yes — completely free, no signup. AeroWealth's full platform adds multi-scenario comparison, mortgage and offset modelling, Australian CGT reform (post-2027) simulation, journey check-ins and cloud-synced plans.