2.5%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for Australia
A FIRE calculator for Australia: super, preservation age and the Age Pensionsuper · superannuation · preservation age · SMSF · super guarantee · Age Pension · HECS-HELP · 4% rule
Nivritee’s FIRE Planner projects when your household could stop working, in Australian dollars, with Australian inflation and your super or SMSF balance pre-filled as a row. It is free: eight answers after sign-up, about two minutes.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| India | INR | 4.0% | 12.0% |
| United Kingdom | GBP | 2.0% | 8.2% |
| Singapore | SGD | 2.0% | 11.0% |
| United States | USD | 2.0% | 9.2% |
Eleven countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in AUD
Your FI number at a 4% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 4% withdrawal rate the planner uses for Australia, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in AUD (A$), with a Financial Freedom Index out of 100 beside it.
Your peer percentile compares your household’s net worth with households of your age in the ABS Household Income and Wealth, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
Australia · the rates your plan starts from
The Australia rates every plan projects with.
A plan for Australia starts from these, in AUD. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
4.5%
Education inflation
School and university fees, which rise faster than everyday prices.
9.5%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
7.5%
Return while you work
An assumption, not a forecast — shown so you can change it.
4.5%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
4%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · Australia schemes in one plan
Superannuation, Self-Managed Super Fund (SMSF) — rows in your plan from the start.
- Superannuation — Compulsory employer-funded retirement savings, preserved until you reach preservation age.
- Self-Managed Super Fund (SMSF) — A super fund you run yourself, choosing the investments and carrying the compliance duties.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
Australia · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
Preservation age is 60 for anyone born after 30 June 1964: super opens once you reach it and retire, or at 65 whether or not you have.
Access age 2
The Age Pension starts at 67, for residents of at least 10 years, and is income- and assets-tested.
FIRE Planner · Australia
What your Australia FIRE plan has to get right.
Super stays preserved until 60 for anyone born after 30 June 1964, so money outside super carries any years before that. Nivritee’s ledger shows each of them.
Employers have paid super at 12% of ordinary time earnings since 1 July 2025, which is why the balance is often the largest figure in an Australian plan.
The Age Pension starts at 67 and is income- and assets-tested. If you expect some, add it as income that continues after you stop working, and the FI number nets it off.
Your peer percentile compares your household’s net worth with Australian households of your age in the ABS Household Income and Wealth survey, aged forward from its survey year.
Why Nivritee for Australia
The FIRE Planner, joined to everything else your household runs.
Your Australia plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Eleven markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator Australia · questions
FIRE in Australia: questions people ask.
How much do I need to retire early in Australia?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number uses a 4% withdrawal rate on your own spending, allows for tax on withdrawals, adds your goals and nets off income that keeps paying.
When can I access my super?
Once you reach preservation age — 60 for anyone born after 30 June 1964 — and retire, or at 65 even if you are still working.
Does a FIRE plan in Australia count the Age Pension?
It can. The Age Pension starts at 67 and depends on residence, income and assets. Add what you expect as continuing income and Nivritee’s projection and FI number both count it.
Is there a free FIRE calculator for Australia?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in Australian dollars with Australian inflation and your super. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how you compare with Australian households of your age.
Find your FI number for Australia.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free