Most retirement calculators stop at a date. Kippa RetireEarly simulates your income, super, investments, property, debt and spending — then shows your fastest realistic path to financial independence, and exactly which levers move it.
A single number on a retirement calculator can't answer the question that actually matters: what would it take to stop working years earlier — and is it realistic?
A retirement age and a balance — with no view of the trade-offs that could change them.
Change your savings, return or spending and most tools can't show you the effect on your date.
You're left with a forecast, not a plan — nothing tells you which lever to pull first.
RetireEarly models your whole financial life at once — scenario modelling, an FI score, a retirement timeline, AI insights and ranked action recommendations.
Spin up “what if” scenarios — save more, downsize, change jobs — and compare retirement dates side by side.
Plain-English findings that flag the moves with the biggest impact — and the risks worth knowing about.
A single score for how close you are to financial independence, mapped onto a clear year-by-year timeline.
A ranked list of next steps, each showing exactly how many months or years it brings your date forward.
Seven living visuals turn a wall of numbers into something you can actually act on.
Monte-Carlo simulation across thousands of market paths — the odds your money lasts the distance.
Watch every dollar flow from income through tax and living costs to what's actually invested.
See the mix across super, shares, property and cash — and how it shifts as you approach FI.
Coast FI, full FI and traditional retirement on one line — so the gap you're closing is obvious.
How far you are to your FI number — the nest egg that covers your spending for good.
Break the journey into milestones and tick them off — each one nudges your FI date closer.
Wealth building year over year — darker cells are the seasons your net worth compounds hardest.
Every visual updates live as you adjust a scenario — no spreadsheets, no recalculating.
Try the simulator →Income, super, investments, property, debt and spending — pull it in from Kippa or enter it yourself.
Thousands of market paths model your future and surface your FI score, timeline and success odds.
Follow ranked recommendations, test scenarios, and watch your retirement date move in real time.
No per-app fees, no upgrade maze. Start free, and when you're ready, one price unlocks everything Kippa makes — RetireEarly included, plus everything we add next.
One membership covers all Kippa Family apps. Cancel anytime, no lock-in — and we never resell your data. That's not the deal.
No. Kippa RetireEarly is an educational modelling tool that shows projections based on the assumptions you set. It does not provide personal financial advice — for decisions about your money, speak with a licensed financial adviser.
It runs your inputs through thousands of possible market paths (a Monte-Carlo simulation), modelling your income, super, investments, property, debt and spending, to estimate your FI date and the probability your money lasts.
Only if you want — pull your real income, spending and accounts straight from the rest of the Kippa family so your simulation starts from your actual numbers, not guesses. One Kippa One membership covers them all.
Completely. Like the rest of Kippa, your numbers stay yours — nothing is sold or shared, and you can export or delete everything at any time.
Run your first simulation in minutes and find the fastest realistic path to financial independence.
Educational tool only — not financial advice. Kippa RetireEarly provides general information and projections based on assumptions you provide. Outcomes are estimates, not guarantees, and do not account for your personal circumstances. It is not financial, tax or investment advice. Consider seeking advice from a licensed professional before making decisions.