Everything you need to plan your FIRE journey

YAFA combines powerful financial modelling with an intuitive interface to help you understand when work becomes optional.

Wealth projections

See your financial future with detailed simulations and scenario planning.

Calculate your FIRE age and number based on your current finances, growth assumptions, and spending goals.

Run thousands of scenarios with randomised market returns to understand the probability of reaching your goals.

Create multiple simulations with different assumptions and compare them side-by-side to find your optimal strategy.

See exactly how your net worth, income, expenses, and taxes evolve each year until retirement and beyond.

Set financial goals with target amounts and dates, and see how they impact your path to financial independence.

Model asset purchases, sales, and income changes at specific years to reflect your real-life plans.

Enter your finances once and use them across all projections. No bank connections required.

Record multiple income sources including salary, bonuses, rental income, dividends, and business income.

Enter your shares, ETFs, property, crypto, cash, and other investments with expected returns and growth rates.

Record your properties with purchase price, current value, rental income, and associated expenses.

Model your super with employer contributions, salary sacrifice, investment returns, and preservation age.

Enter mortgages, personal loans, HECS-HELP, and other debts with flexible repayment modelling.

Categorise your expenses and see where your money goes with clear visualisations.

Built specifically for Australian tax rules and retirement system.

Automatic tax calculations using current Australian tax brackets, Medicare levy, and HECS repayment thresholds.

Include dividend franking credits and see their impact on your tax position and investment returns.

Model tax deductions including negative gearing, work-related expenses, and investment costs.

Get personalised guidance powered by artificial intelligence.

Ask questions about your finances and get personalised explanations based on your actual data.

The AI understands your current page and financial situation to provide relevant, actionable insights.

Get AI-powered analysis of your projection results with suggestions for improving your strategy.

Join YAFA and start building your path to financial independence today.