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FIRE Calculator

Financial Independence, Retire Early — or just the freedom to choose. Find your number, and roughly when you could reach it.

years
£
£
£
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Your FIRE number

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Time to get there

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Free at age

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Progress so far

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▬ projected pot  ┄ your FIRE number

How it works

Your FIRE number is your annual spending divided by the withdrawal rate — at the classic 4%, that's simply 25× your yearly spending. The projection grows your current pot with monthly contributions at your chosen return, and finds where the two lines cross.

The defaults are deliberately modest: 5% is a common long-run real (after inflation) estimate for a diversified portfolio, so the result reads in today's money. The 4% rule is a rule of thumb from historical US data, not a guarantee — many people plan a touch lower. Markets won't grow in a neat line, returns aren't promised, and your spending will evolve; treat the output as a direction of travel, revisited yearly, not a date to circle in the calendar.

This calculator is a general educational tool. It uses simplified assumptions, isn't personalised financial advice, and shouldn't be the only basis for a money decision — see our Disclaimer. For decisions that matter, consider speaking to a suitably qualified, regulated adviser.

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