Australian Investment Tools

Grow your wealth.
Know your numbers.

Calculate compound returns, find your FIRE number, and explore popular ASX ETFs. Free, instant, no sign-up.

📈 Returns Calculator 🔥 FIRE Calculator 🏦 ETF Explorer 🇦🇺 Australian focus

Returns Calculator

See how your money grows over time with compound returns. Adjust your lump sum, regular contributions, and expected return rate.

Your Investment
$
$
Return Assumptions
ASX long-run avg ~9–10%. Use 7% for a conservative estimate.
Typical Australian inflation ~2–3%. Reduces real return.
Final Value
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–
Total Contributed
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Your money in
Investment Growth
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–
Contributions Growth
Year Contributed Growth Balance
Estimate only. Returns are not guaranteed. Past performance is not a reliable indicator of future results. This calculator does not account for tax, fees, or inflation unless the inflation slider is used.

FIRE Calculator

FIRE — Financial Independence, Retire Early. Find your magic number, then see how long it'll take to get there.

Your Situation
$
$
Retirement Goals
$
Include everything — rent/mortgage, food, travel, fun.
The 4% rule is a common starting point. More conservative = lower %.
Your FIRE Number
$0
The amount you need invested to retire
Years to FIRE
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–
Monthly income in retirement
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From your invested portfolio
You currently have–
Still need to accumulate–
Monthly investing–
Status–
FIRE is a planning tool, not a guarantee. Returns vary, expenses change, and life is unpredictable. The 4% rule is based on US market data — Australian conditions may differ. Always get financial advice before making major retirement decisions.

ETF Explorer

A quick-reference guide to popular ASX-listed ETFs. MERs and details are indicative — always check the provider's website for current information.

VAS
MER 0.07%
Vanguard Australian Shares Index ETF
Vanguard
Australian Equities
Tracks the ASX 300. Broad exposure to Australian large and mid caps. One of the most popular ETFs in Australia for local equity exposure.
A200
MER 0.04%
BetaShares Australia 200 ETF
BetaShares
Australian Equities
Tracks the top 200 ASX companies. One of the lowest-cost Australian equity ETFs available. Similar to VAS but narrower index.
VGS
MER 0.18%
Vanguard MSCI Index International Shares ETF
Vanguard
Global Equities
Exposure to ~1,500 large and mid-cap companies across developed markets (US, Europe, Japan, etc.). Excludes Australia. Currency unhedged.
BGBL
MER 0.08%
BetaShares Global Shares ETF
BetaShares
Global Equities
Low-cost global developed market exposure. Excludes Australia. A cost-effective alternative to VGS with similar underlying exposure.
IVV
MER 0.03%
iShares S&P 500 ETF
BlackRock iShares
US Equities
Tracks the S&P 500 — the 500 largest US companies. One of the cheapest ETFs on the ASX. High concentration in US tech (Apple, Microsoft, Nvidia, etc.).
NDQ
MER 0.48%
BetaShares Nasdaq 100 ETF
BetaShares
Tech / US
Tracks the Nasdaq-100 — the 100 largest non-financial US companies, dominated by big tech. Higher volatility but strong long-run returns.
VDHG
MER 0.27%
Vanguard Diversified High Growth ETF
Vanguard
Diversified
A fund of funds: ~90% growth assets (Aus + global shares), ~10% bonds. Single-ETF portfolio solution. Popular for its simplicity.
DHHF
MER 0.19%
BetaShares Diversified All Growth ETF
BetaShares
Diversified
100% growth assets across Aus, US, developed and emerging markets. No bonds. Lower MER than VDHG with a more aggressive allocation.
VAP
MER 0.23%
Vanguard Australian Property Securities ETF
Vanguard
Australian Property
Exposure to Australian A-REITs (Real Estate Investment Trusts). Provides property exposure without direct ownership. High dividend yield historically.
VGE
MER 0.48%
Vanguard MSCI Emerging Markets ETF
Vanguard
Emerging Markets
Exposure to companies in emerging economies — China, India, Brazil, Taiwan, and others. Higher risk and potential for higher returns than developed markets.
IAF
MER 0.15%
iShares Core Composite Bond ETF
BlackRock iShares
Bonds
Broad exposure to Australian investment-grade bonds — government and corporate. Typically used to reduce portfolio volatility and provide income.
BILL
MER 0.07%
BetaShares Australian High Interest Cash ETF
BetaShares
Cash
Invests in AUD cash deposits. Returns track the RBA cash rate. Useful as a low-risk parking spot for cash within a brokerage account.
MERs (Management Expense Ratios) are indicative and subject to change. Always verify current fees and product details on the provider's website or the ASX ETF page. This is not financial advice — consider your personal circumstances before investing.