u/Desperate_Breath_166

2nd year econ student at USyd, been going down a FIRE rabbit hole the past few weeks. Not planning my own FIRE yet (broke uni student lol) but the math is genuinely interesting and I've been building spreadsheets to understand how it actually works in an AU context.

What's surprised me is how rough the online calculators are — most ignore div 293, franking credits don't seem to factor in anywhere, and super treatment is usually wrong or oversimplified.

For those who've actually built your own models: what does yours handle that the public calculators don't? And what edge cases still trip you up?