FIRE · Financial Independence · Early Retirement · UK

What's your
FIRE number?

Find out how much you need to retire — and how long it'll take to get there.

Annual spending in retirement
£25,000
£8k£100k
Total invested (ISA + pension)
£50,000
£0£1m
Monthly savings
£500
£0£5,000
Your current age
Growth rate (real, after inflation) ?
Withdrawal rate ?
Your FIRE Number
£625,000
4% withdrawal rate
FIRE at age
–
Progress to FIRE –
Calculating…

This calculator is for illustrative purposes only and does not constitute financial advice. Projections are based on the assumptions you enter and are not a reliable indicator of future results. Always seek regulated financial advice before making retirement or investment decisions.

Where to invest

We may earn a commission if you open an account — at no cost to you. We only list platforms we'd recommend.

AJ Bell
Stocks & Shares ISA
Low-cost ISA and SIPP with a wide fund range. Great for hands-on investors.
ISA · SIPP · GIA
Open account →
Hargreaves Lansdown
Stocks & Shares ISA
The UK's largest investment platform. Huge fund range, excellent app.
ISA · SIPP · GIA
Open account →
Vanguard UK
Stocks & Shares ISA
Ultra-low cost index funds direct from the fund manager. Ideal for passive investors.
ISA · SIPP
Open account →
Trading 212
Stocks & Shares ISA
Commission-free trading with a free ISA. Good for ETF investors.
ISA · GIA
Open account →
InvestEngine
Stocks & Shares ISA
ETF-only platform. Managed or DIY portfolios with very low costs.
ISA · GIA
Open account →
Go deeper

Advanced retirement calculator

Model pension access rules, tax-optimised SIPP/ISA drawdown, state pension, and DB income — year by year.

Try the advanced calculator →
Your timeline

Guides by target age

How much do you need, and is it achievable? Find out for your target retirement age.

50
Retire at 50
55
Retire at 55
60
Retire at 60
Coast
Coast FIRE
Learn

FIRE guides

The knowledge you need to retire early, explained clearly.

Rules
The 4% Rule Explained — Does It Work for UK Investors?
The safe withdrawal rate that underpins the FIRE movement. Here's what the research says.
Strategy
Lean FIRE UK — Retiring on Less Than You Think
How to retire early on a smaller pot by optimising your lifestyle spending.
Strategy
Fat FIRE UK — Early Retirement on a High Income
What Fat FIRE looks like in the UK, the numbers involved, and how to get there.
Strategy
Barista FIRE UK — Semi-Retirement Done Right
How part-time work dramatically reduces your FIRE number and buys years of freedom.
Tax
ISA vs SIPP for FIRE — Which to Fill First?
How to split contributions between ISA and SIPP to minimise tax and bridge the pension access gap.
Planning
UK State Pension and FIRE — Factor It Into Your Plan
How the state pension reduces your FIRE number and what to do if you retire before qualifying.
Calculator
UK Savings Rate Calculator — The Most Important Number
Your savings rate determines how fast you reach FIRE. Find yours and see the impact.
Calculator
Advanced Retirement Calculator — Year-by-Year Drawdown
Find your earliest retirement age with tax-optimised SIPP/ISA drawdown and pension modelling.

What is FIRE?

FIRE stands for Financial Independence, Retire Early. It's a movement built on a simple idea: save and invest aggressively enough that your portfolio generates enough income to cover your expenses — forever.

The maths is straightforward. If you can live on 4% of your portfolio each year, you need a pot of 25× your annual spending. That's your FIRE number. Hit it, and work becomes optional.

25×
Annual spending = your FIRE number (at 4% withdrawal rate)
50%
Savings rate = ~17 years to financial independence from zero
67
The default UK retirement age — FIRE lets you choose your own