Calculator Index
Australian FIRE
Calculators.
Free single-purpose tools built for Australian super, tax, Age Pension, and HECS rules. Pick the one that matches your question, or use the full ProjectFi planner for an end-to-end FIRE projection.
Project your future
Forward-looking calculators that turn today's balances and savings rate into where you'll land at preservation age and beyond.
Coast FIRE Calculator
Have you saved enough that your existing balance coasts to your FIRE target without further contributions?
Age Pension Assets Test Calculator
How much Age Pension would Services Australia pay you, given your assessable assets? Surfaces the binding test, taper rate, and asset headroom.
Bridge Years to Super Calculator
Retiring before super preservation age 60? See how much non-super you need to fund the gap until super unlocks.
Super Balance Projection Calculator
Project your super balance forward to retirement. See where it lands at 60, 65, and 75 with employer SG, voluntary contributions, and the 15% concessional tax baked in.
Optimise this year
Single-FY calculators that surface AU tax + super rules: contribution caps, surcharge thresholds, repayment bands.
Concessional Super Cap Calculator
How much concessional super cap remains this FY? Models employer SG, salary sacrifice, carry-forward, and Div 293 risk.
Division 293 Tax Calculator
Does Division 293 apply to your concessional contributions this FY? Shows the extra tax dollars and the threshold headroom.
Salary Sacrifice vs Invest Calculator
Compare salary-sacrificing extra dollars to super against investing them outside super, after tax and CGT. Built for AU brackets including Div 293 and the 50% CGT discount.
HECS/HELP Repayment Calculator
Calculate your FY25-26 compulsory HECS/HELP repayment, see which band you fall in, and find the dollar impact of crossing into the next band. Built for the new marginal repayment system.
Other tools
The full planner
Want every calculator combined into one model?
The ProjectFi planner threads tax, super, Age Pension, and Monte Carlo sensitivity into a single year-by-year FIRE projection. Free, no credit card.