FIRE Calculators for Australians
Free, Australia-specific FIRE tools. No sign-up, no paywall, no ads obscuring results. Every calculator models the features that matter here: superannuation, the bridge fund gap, and the Age Pension that most tools ignore.
Start with the FIRE Timeline Calculator →The Australian FIRE model is different
FIRE in Australia has three distinct phases because super is locked until 60 and the Age Pension kicks in at 67. Ignoring either of these makes your plan wrong.
Super is locked until preservation age (60). You fund 100% of expenses from non-super investments — shares, ETFs, savings. This is the bridge.
Super opens up. In pension phase, earnings are tax-free. Draw from super and non-super in the most efficient order. Pressure on the bridge fund drops significantly.
The Age Pension (up to $29,754/yr single, $44,856/yr couple) reduces how much you need to draw from your portfolio. Most AU FIRE calculators ignore this entirely.
All FIRE calculators — 100% free
FIRE Timeline Calculator
Flagship: full 3-phase Australian model — bridge fund, super at 60, and Age Pension from 67. Year-by-year projection.
Open →Start hereFIRE Number Calculator
How much do you need to retire? Safe withdrawal rate comparison at 3%–5% with optional Age Pension offset.
Open →Coast FIRE Calculator
Find the amount you need invested today so compound growth alone reaches your FIRE number by retirement — no more contributions needed.
Open →Barista FIRE Calculator
Quit the stressful career, work part-time. See exactly how much smaller your portfolio needs to be when you earn $15k–$50k part-time.
Open →Savings Rate Calculator
The most motivating FIRE insight: your savings rate determines years to FIRE, not your income. See the famous table for 5%–80% savings rates.
Open →FIRE Withdrawal Calculator
You've reached FIRE — how long does your money last? Find your sustainable withdrawal rate, with Age Pension extending portfolio life.
Open →Why these tools are different
Australian-first
Built around Australian super, the preservation age, and the Age Pension — not adapted from US tools.
Completely free
No freemium limits, no sign-up required, no paywalled scenarios. Every feature, every mode.
3-phase model
Bridge fund, super access, and Age Pension all modelled in one simulation — as they actually work.
Instant results
Every input updates results in real time. No calculate button, no waiting.
Transparent methodology
Every calculation is explained. You can verify the maths yourself — we don't hide assumptions.
Year-by-year tables
See exactly how your portfolio, super, and bridge fund evolve year by year to and through retirement.
Related calculators
All projections are estimates for planning purposes. Dolaro does not provide financial advice. Investment returns, inflation, and legislative changes (including Age Pension rates) affect actual outcomes. Always verify with a licensed financial adviser before making retirement decisions.