# FIRE number calculator for Australians

> Estimate your FIRE number from your own spending, and how long savings outside super could take to reach it. In today's dollars, with every assumption editable.

URL: https://finsplore.io/resources/calculators/fire-number/

## FIRE number calculator

See the invested amount your spending would need, and roughly when savings outside super could get there.

1. Enter what you spend a year
2. Add what you invest
3. See your number and the age

An estimate for savings outside super only. It leaves out super, the Age Pension and tax, uses one steady return, and is not a forecast.

### How this is calculated

**The number** is yearly spending divided by the withdrawal rate. At 4% that is 25 times spending, so $50,000 a year gives $1,250,000.

**The age** comes from growing your invested savings month by month at the return you set, adding the monthly amount (raised each year with inflation), and finding the first month the balance, in today’s dollars, reaches the number.

- **Return** (7% by default): an average after fees, before tax. Real returns vary, and a poor run early in retirement does more harm than one steady rate shows.
- **Inflation** (2.5%): the middle of the RBA’s 2 to 3% target. It turns future dollars into today’s.
- **Withdrawal rate** (4%): a US rule of thumb for a 30 year retirement, not a guarantee. Lower is more cautious.

Super is generally locked until 60, so it is not projected here. Results are estimates, returns are not guaranteed, and nothing here suggests a product or an action.

Default assumptions last checked 20 October 2026.

**General information only.** This calculator does not consider your objectives, financial situation or needs, and it is not financial, credit or tax advice. Finsplore does not hold an Australian financial services licence. Rules and figures change, so consider speaking with a licensed financial adviser or registered tax agent about your situation. [Read our Disclaimer](https://finsplore.io/legal/disclaimer/).

### Keep going

- [Read the fire number guide](https://finsplore.io/resources/guides/what-is-fire-in-australia/)
- [Emergency fund calculator](https://finsplore.io/resources/calculators/emergency-fund/)
- [Savings rate calculator](https://finsplore.io/resources/calculators/savings-rate/)

### See your real numbers, not estimates.

Finsplore brings your accounts into one clear view. Free while early access runs.