FIRE Calculator Assumptions: What Each Input Means

The calculator is designed for comparison, not prediction. Inputs are simplified so you can pressure-test decisions consistently.

Return and growth rates

ETF total return and property growth are nominal assumptions. They should reflect long-run expectations rather than one-year outcomes.

Tax treatment

The model applies Australian resident individual tax brackets, a simplified Medicare levy, and optional CGT discount settings where relevant.

Property cashflow

Rental yield, vacancy, management fees, maintenance, and annual expenses are all explicit. Small changes in these fields can materially shift results.

FIRE target logic

FIRE target is derived from annual spending and safe withdrawal rate. If spending or SWR changes, your target and FIRE timing change automatically.