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💰 Tax & Investing Strategy

The path to early retirement is paved with tax-efficient structures. Maximize your $30k Super cap and invest the rest in low-cost ETFs.

🎯 Advanced FIRE Timeline Calculator

Calculate your exact path to financial independence with Australian tax considerations

Savings Rate38%
Annual Savings$30,000
Target Portfolio (4% Rule)$1,250,000

💼 Side Hustle Accelerator

Calculate how additional income streams fast-track your FIRE journey

Annual Gross$19,500
Annual Net (after tax)$13,162.5

🎯 Your Combined Impact

Total Gross Income$19,500per year
Total Net Income$13,163after tax
Years Shaved Off FIRE~0.7estimated reduction

💡 Pro Tip: Every extra $20,000/year can reduce your FIRE timeline by ~1 year

⚡ Tax Smart: Consider salary sacrificing hustle income into super to reduce tax burden

Quick Tools

Super Maximiser 2026

The concessional cap is $30,000. maximize it to save on tax (15% vs marginal rate).

Used: $0Cap: $30,000

Remaining Cap Space: $30,000

Tip: Check myGov to see if you have unused cap from the previous 5 years ("Carry-forward Rule") to contribute even more.

FIRE Projector (ETF Strategy)

Aim for 25x your annual spend (the 4% Rule). Invest in low-cost diversified ETFs.

Your FIRE Number:$1,250,000
Estimated Time:18.4 Years

Assumes 7% real return (Average Index Fund performance)

⚖️ Strategic Decisions

🏠

Mortgage vs Super Calculator

Visualize the long-term wealth difference between paying off your home loan vs salary sacrificing into Super.

Winner Strategy
SUPER
Net Wealth Boost
+$34,839

Wealth Accumulation Over Time

Mortgage Offset Value
$84,658
Super Fund Value
$119,497
🚀 Break-Even Point: Super outperforms Mortgage starting at Year 1.

Assumption Settings

Amount of "take-home" pay you can invest.
Excludes Medicare Levy (auto-added).

Note: Super is preserved until age 60. Mortgage savings are accessible (redraw/offset). Super returns vary. Tax calculations include 2% Medicare Levy. 15% contributions tax applied to Super.

🏖️

Coast FIRE Calculator

"Coast FIRE" is the point where you have enough invested that, without saving another cent, compound interest will grow your pot to your target by retirement age (60).

Your Coast FIRE Number
$0
Missing $-100,000
Target FI Portfolio (Age 60)
$1,500,000

Assumes 7% inflation-adjusted return. This calculation uses "Today's Dollars" to keep it simple. If you reach the Coast Number, you only need to earn enough to cover current expenses.

🔥 2026 Update: Payday Super

From 1 July 2026, employers must pay super at the same time as salary. This means your money starts compounding immediately rather than sitting in their account for quarterly cycles. Historically, this adds thousands to your balance by retirement.