Calculators
Tools
Calculator
Advanced Retirement Calculator — Year-by-Year Drawdown
Find your earliest retirement age with tax-optimised SIPP/ISA drawdown and pension modelling.
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
Coast FIRE Calculator UK
Find the pot size where you can stop contributing and still retire on time.
Strategy
FIRE strategies
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.
Rules & planning
How FIRE works
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.
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.