A FIRE calculator built for Australia
FIRE — Financial Independence, Retire Early — comes down to one question: what year could your investments cover your living costs for good? A back-of-envelope FIRE calculator multiplies your spending by 25. Compound goes further, and gets the Australian details right.
It projects your financial-independence year from your real wealth and spending, honestly accounting for the things simple calculators skip: tax on what you draw, capital gains when assets are sold, and super being locked until 60. Set a target year and track yourself against it as your wealth moves.
Your independence year
The year the income from your investments could cover your living costs for life — projected from your actual numbers.
The two-phase model
Retiring before 60 done honestly: accessible investments bridge you until super unlocks, then the two sustain you together.
Honest about tax
The projection allows for tax on drawdowns and capital gains — not just a flat 4% rule.
Set and track a target
Choose a target year and watch it move closer as you add to your wealth and trim future costs.
Built on your life
Your future spending, in today’s dollars, drives the number — not a generic rule of thumb.
Common questions
How does a FIRE calculator work?
A FIRE calculator estimates the wealth you need to stop working — commonly your annual spending times 25 (the inverse of a 4% withdrawal rate). Compound improves on this by projecting the actual year you could get there from your real assets, and by modelling Australian tax and super rules.
What is my FIRE number in Australia?
As a rough guide it’s your annual spending × 25 — so $70,000 a year is about $1.75 million. But super being locked until 60 and tax on drawdowns change the picture, which is why Compound projects a year rather than a single flat number.
Does it account for superannuation being locked?
Yes. Compound’s two-phase model funds you from accessible investments until super unlocks at 60, so it won’t tell you you’re free when your money is out of reach.
Is this financial advice?
No. Compound provides general information and projections only. It is not financial advice and does not hold an Australian Financial Services Licence.
Find your financial-independence year
Compound brings property, super, shares, cash, crypto and business into one view — with your real net worth and the year you could reach financial independence.
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