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FIRE Hub

Financial Independence, Retire Early. Every tool you need — from finding your number to stress-testing your plan against market crashes.

25×
Your FIRE number
Annual expenses × 25 — the classic starting point
4%
Safe withdrawal rate
The Trinity Study's benchmark for 30-year portfolios
50%+
Savings rate target
High earners reach FIRE in under 17 years at 50% savings
Which FIRE path fits your life?
Full FIRE
Traditional FIRE
Portfolio covers 100% of expenses. Never work again unless you want to. Requires the largest number but total freedom.
Semi-retire
Barista FIRE
Part-time work covers day-to-day expenses. Portfolio covers the gap. Reach it years earlier than Full FIRE.
Stop saving
Coast FIRE
Enough invested today that compound growth alone reaches your FIRE number. Stop saving — just cover expenses.
Geo-arbitrage
Global FIRE
Lower your FIRE number by moving to a lower cost country. A $1M portfolio goes much further in Portugal than Sydney.
Step 1 — Find your number
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FIRE Calculator
Enter your age, savings rate, annual expenses, and current portfolio. Get your FIRE date, monthly savings needed, and a cinematic projection chart. The starting point for everyone.
→ Start here
 4️⃣
4% Rule Calculator
How much do you actually need saved? The 4% rule says you can withdraw 4% annually without running out of money over 30 years. Enter your target income, get your exact number.
→ Find your FIRE number
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Retirement Runway — Bridge & After
The tool for anyone with money locked away — super, 401(k), pension, KiwiSaver, RRSP, EPF. Two questions: how do you survive the bridge years until you can touch it, and how long does it last after? Live countdown ticker + full lifetime timeline across 8 countries.
→ Locked money math, globally
Step 2 — Choose your path
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Coast FIRE Calculator
Have you already won? If your current portfolio, left alone, grows to your FIRE number by retirement — you've hit Coast FIRE. Stop stressing about savings rate and enjoy today.
→ Have I already coasted?
 ☕
Barista FIRE Calculator
Work part-time, let your portfolio cover the gap. Often achievable 5–10 years before full FIRE. Find your smaller target number and your semi-retirement date.
→ Semi-retire sooner
 🥂
Fat FIRE Calculator
Regular FIRE covers your current lifestyle. Fat FIRE covers an upgraded one — business class, no grocery budget, a nicer everything. See exactly how many extra years that costs.
→ Retire into more, not less
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Savings Rate Calculator
The single number that predicts your retirement date better than your income. See your rate, where it ranks, and the classic years-to-FI curve — including why it bends so hard past 50%.
→ The FIRE fundamental
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Geographic Arbitrage
Move to a lower cost country and slash your FIRE number. See exactly how much cheaper your retirement becomes in Portugal, Thailand, Mexico, or Eastern Europe.
→ Cut your FIRE number
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Couples FIRE Calculator
FIRE is different with two incomes. Model different contribution rates, timing, and what happens if one partner stops working first.
→ Retire together
Step 3 — Stress-test your plan
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Sequence of Returns Risk
Retiring into a crash is dangerous even if the long-run average is fine. See why the ORDER of returns matters more than the average — the most underestimated FIRE risk.
→ The hidden retirement killer
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FIRE Tax Optimiser
Your FIRE number changes dramatically based on account structure — super vs ETFs vs property. See real AU/US/UK/India tax brackets applied to your withdrawals. The gap can be $200k+.
→ Unique — nothing like this exists
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One More Year Syndrome
"Just one more year" of work costs you something. See the real time cost of delaying retirement — in life years and compounded opportunity lost.
→ Is it worth the extra year?
FIRE questions answered
What is a realistic FIRE number in Australia?
It depends entirely on your annual expenses, not your income. Multiply your expected annual spending in retirement by 25 (the 4% rule inverse). If you spend $60,000/year, your FIRE number is $1.5M. If you can reduce to $40,000/year, it drops to $1M. Super counts toward this number once you reach preservation age (60 for most Australians).
Does super count toward FIRE in Australia?
Yes, but you cannot access it until preservation age (60 for those born after July 1964). Most FIRE planners in Australia use a two-phase approach: bridge assets (ETFs, property, cash) to cover ages 45–60, then super takes over. The FIRE Tax Optimiser tool models exactly this — super withdrawals are typically tax-free after 60, making them highly efficient.
Is 4% safe withdrawal rate still valid?
The Trinity Study's 4% rule was based on 30-year US retirement periods. If you're retiring at 40 in Australia, you need a 50-year horizon — which suggests 3–3.5% is safer. The Sequence of Returns tool shows why the timing of market returns matters more than the rate itself. Most Australian FIRE planners use 3.5% for early retirees.
What savings rate do I need to retire early?
At 10% savings rate: ~43 years to FIRE. At 25%: ~32 years. At 50%: ~17 years. At 75%: ~7 years. The relationship is non-linear — increasing your savings rate from 10% to 25% saves 11 years; from 50% to 75% saves 10 more. Savings rate is the most powerful lever in FIRE, more than investment returns.