Built to FIRE

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💰
Net Worth
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📈
Liquid Investments
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Superannuation
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Tagged Fixed in register
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Property Equity
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Total Debt
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FIRE Progress
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Your financial story

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Next net worth milestone
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Next passive income milestone
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Full FIRE target
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Savings & investing rate
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of take-home income
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Setup

Everything the rest of the app reads from lives here — profile, tax, super, income & expenses, and shared assumptions. Set it once, then every other tab is read-only calculation.

Profile

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Tax & Take-Home Pay

Modelled the same way as paycalculator.com.au — ATO resident brackets, Medicare levy with low-income phase-in, the Medicare Levy Surcharge, and HECS/HELP, all specific to the financial year you pick below.

Income tax—
Medicare levy—
Medicare Levy Surcharge—
HECS/HELP repayment—
Total tax & levies—
Effective tax rate—
Marginal rate (on your next $)—
Annual—
Monthly—
Fortnightly—
Weekly—

Rates shown for FY2026-27. FY2024-25 and FY2025-26 used a 16% second bracket (vs. 15% from FY2026-27); FY2024-25 HECS/HELP used the old whole-of-income flat-rate system rather than the marginal one. Medicare and MLS thresholds are held constant across years pending official indexation. Excludes super contributions, deductions, and franking credits.

Superannuation

Your balance is set here — the "Super"-tagged row in your Net Worth register automatically mirrors whatever you enter, so there's only one place to update it.

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%
$/yr
% p.a.
%
yrs old

Income & Expenses

What actually happens to your paycheck each month — including the part that isn't yet going into investing.

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$
$0
% p.a.
Monthly surplus (income − expenses − investing)$0
Post-tax savings rate — the single biggest lever on your FIRE date—

Surplus is assumed to build as cash/offset — growing at the rate above rather than your ETF return — and feeds the Net Worth projection as a separate stream.

Shared assumptions

These drive every projection on the Goals, Milestones, Scenarios, Super, and Net Worth tabs.

% p.a.
%
%
yrs old

Off — projections use the nominal investment return you've set above (results are in future dollars).

Net Worth

Your full balance sheet, and where it's headed. Tag each row with a category — Liquid, Property, Super, or Other — so the Home dashboard's breakdown cards and the FIRE calculations use the right numbers.

Profile, income & expenses, and cash rate now live on the Setup tab. Your Super row below is automatic too — its balance is set on Setup, not edited here.
Assets
ItemCategoryAmount
Total assets$0
Liabilities
ItemCategoryAmount
Total liabilities$0
Net worth $0
Of which liquid (investable)$0
Logged history
Expected (hover for exact)
Pessimistic (−2%)
Optimistic (+2%)

Goals at a glance

Pin milestones from the Milestones tab to track them here — pin as many or as few as you like.

Financial Goals

One set of shared assumptions, one timeline. Everything below tracks where you stand right now against your current trajectory.

Shared assumptions and tax estimates now live on the Setup tab.

Where you stand

Three ways of looking at financial independence, sorted by whichever you'll reach first at your current trajectory.

Life adjustments

Career breaks, kids, redundancies — logged and wired into the figures above.

My Milestones

Reached milestones tuck away into a drawer per category; the next four line up by how soon you'll reach them. Pin any milestone (📌) to surface it in the Net Worth tab's glance panel.

Up next in every category

Net Worth
Invested Assets
Passive Income
FIRE Types
Other Milestones

Goal Mode & Scenario Slider

Pick a mode to set a starting point for the what-if panel below, then adjust freely — this is the only place Mode currently has an effect. Both plans below include your active Life Events.

FIRE Mode

Maximise freedom

  • Investment growth
  • Savings rate
  • Early retirement

Wealth Mode

Maximise lifetime net worth

  • Career
  • Property
  • Leverage
  • Tax efficiency

Lifestyle Mode

Balance money and experiences

  • Travel
  • Family
  • Flexibility

What if…

$
$
% p.a.
+$/yr
Resulting FIRE age—
Net worth at 60 (projected)—
Current plan
What-if

Life Events Timeline

Log the big things coming up — including switching to part-time work or a lower-paid role, which you can log as a "Career change" with a lower new salary, or as "Other" with a negative income impact. Toggle any event off to see the plan without it.

Income, investment, and expense impacts are combined into a single change to your annual contribution for the years the event is active. That feeds: the dashed projection on the Net Worth tab, the Where you stand timeline and every FIRE number on the Goals tab, every tier's projected age on the Milestones tab, and both plans on the Scenarios tab. Type-specific details (purchase price, loan term, etc.) stay descriptive for now. Leave "end year" blank for an impact that runs indefinitely.

Impact on your net worth

Uses the exact same calculation as the Net Worth tab's own chart (including your income/expense surplus stream) — the gold "With events" line here is identical to that chart's "Expected" line. Purple shows what it would look like without your active events, for direct comparison without switching tabs.

Without events (expected)
Without events (±2% band)
With events (expected)
With events (±2% band)
Difference at age —

Superannuation

Track your super separately — it compounds tax-advantaged at 15%, is locked until ~60, and is the second bucket in a two-bucket FIRE strategy.

Super inputs (balance, SG rate, voluntary contributions, return, tax rate, preservation age) live on the Setup tab — this tab is calculation-only.

Super projection

Employer SG (annual, current salary)—
Total super contributions (annual)—
Projected super at preservation age—
Years to preservation age—
Super balance

Two-bucket FIRE strategy

Your superannuation is locked away until you're about 60 — no matter how ready you are to stop working, you can't touch it earlier. So if you want to retire before then, you need a separate, accessible pot of money to actually live on until super unlocks. That accessible pot is your "bridge." This card shows how big your bridge needs to be, and whether you're on track.

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Accessible portfolio now—
Super at preservation age (projected)—
Overall FIRE readiness—
How we calculate this

FIRE age uses only your accessible (non-super) portfolio: —. Bridge required to get from there to preservation age: —.

The bridge is calculated as an annuity that draws down to $0 exactly at preservation age — not a flat multiplication — so it accounts for the portfolio continuing to grow while you draw from it. Super at preservation is assumed to then fund the rest indefinitely.

Salary sacrifice opportunity

Concessional contributions are taxed at 15% inside super vs. your marginal rate outside — the cap depends on the financial year selected in the Tax & Take-Home Pay card on Setup (including employer SG).

Current concessional contributions—
Remaining concessional cap space—
Your marginal rate (all levies stacked)—
Estimated annual tax saving if you max cap—