Know your FIRE age — clearly

This is your FIRE simulator UI. You enter assumptions + properties, the backend runs the monthly engine, and you get charts + tables to see when (or if) your plan becomes self-funding.

1) Inputs — set your income/expenses, growth assumptions, and super settings.
2) Properties — add PPOR + investment properties (each has its own loan/rent/costs).
3) Model — view your net worth, cashflow, and the first point you become FIRE-eligible.

Offset account: cash you hold reduces interest by “offsetting” your loan balance. Example: $100k cash against a $500k loan means interest is charged on ~$400k (not $500k).

Net rent: rent after property running costs (strata/rates/other) and (for investments) interest. It can be negative (negative gearing) or positive.

Principal vs interest: interest is a cost; principal is paying down the loan (it reduces your debt and builds equity).

FIRE income: the model estimates income after FIRE mainly from: investment property net rent + stock drawdown + (super drawdown once accessible), minus tax and principal servicing.

Tip: start with Yearly mode while you’re tuning assumptions (faster, cleaner). Use Monthly only for debugging.