Australian retirement and super information
- ASIC MoneySmart — Plan for your retirementGeneral retirement-planning context and government educational guidance.
- ASIC MoneySmart — Superannuation calculatorReference point for super projections, fees, inflation, and limitations.
- Australian Taxation Office — When you can access your superPrimary guidance for access ages and conditions of release.
- Services Australia — Age PensionPrimary source for Age Pension rules. The current calculator does not model eligibility.
Mortality data
- Australian Bureau of Statistics - Life expectancy, 2022-2024, Table 1National age-specific mortality data, released 11 November 2025, used under CC BY 4.0. The app averages male and female conditional survival equally and extrapolates after age 100; this adaptation is not an official ABS combined table. Data is bundled locally.
Market-data providers
- Financial Modeling PrepDividend-adjusted SPY and AGG history used for the retirement stress test’s labelled portfolio analogues.
Capital gains tax reform
The CGT calculator applies these sources in a deliberately simplified annual projection.
- Treasury Laws Amendment (Tax Reform No. 1) Act 2026Act No. 49 of 2026 contains the CGT indexation and minimum-tax amendments used to frame the simplified comparison.
- Income Tax Rates Amendment (Tax Reform No. 1) Act 2026Act No. 50 of 2026 supplies the related income-tax rate amendment for the minimum-tax mechanism.
- Budget 2026-27 tax explainerOfficial plain-language context for CPI cost-base indexation, the 30% minimum and the 1 July 2027 commencement.
How sources relate to calculator results
The FIRE and CGT calculators use assumptions entered by the user. These sources provide context and rule references; they do not make the output official, personalised, or guaranteed. Historical analogue data can be delayed or unavailable, in which case the stress test clearly labels its assumption-based fallback.