FIRE · Financial Independence · Early Retirement · UK

Find your number.
Retire on your terms.

Stop waiting until 67. Calculate exactly when you can retire — then make it happen.

Your age
Target retirement age
Current pot (ISA + pension + investments)
£50,000
£0£1m
Monthly savings / investment
£500
£0£5,000
Annual spending in retirement
£25,000
£8k£120k
State pension
£11,502/yr from age 67
DB pension income
£ /yr from age
Growth rate ?
Withdrawal rate ?
Your FIRE Number
£625,000
Total pot needed to retire
FIRE at age
–
You're 8% of the way there 8%
Calculating your FIRE number…
Pot growth vs your FIRE number
All values in today's money (inflation-adjusted)

Projections assume constant real returns and savings. Past performance is not a guide to future results. All figures in today's purchasing power.

What if you saved an extra £200/mo?
£0 extra£2,000 extra
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 →
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.
Calculator
FIRE Number Calculator — What's Your Magic Number?
Find the exact pot size you need to retire at your chosen age.
Calculator
UK Savings Rate Calculator — The Most Important Number
Your savings rate determines how fast you reach FIRE. Find yours and see the impact.

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