You want to retire at 50. RetireEasy plans US retirements in detail. Delphina plans early retirement for UK individuals. Here is the difference.
RetireEasy has retirement income modelling, not a FIRE number surfaced to clients. It models when your portfolio can sustain withdrawals, but the FIRE framing is not what RetireEasy leads with. RetireEasy is for US households within 5-10 years of retirement who want to stress test drawdown strategies.
Delphina gives you the FIRE number, the date, and the levers that move the date. If FIRE is the goal, the planning is in Delphina.
RetireEasy's drawdown modelling is genuinely useful for US households close to retirement. The platform's year-by-year approach handles the go-go, slow-go, and no-go phases with healthcare cost inflation built in. For US households 5-10 years from retirement, this is the right tool.
The catch is the US-only scope. UK households cannot use RetireEasy.
Delphina gives UK FIRE savers the date and the levers. A saver with £220,000 across pensions and ISAs, spending £3,000 a month and saving £2,400 a month, gets a specific projection: at a 5% real return and the current savings rate, you reach 25x your spending at age 49 and 5 months. State Pension income from 67 reduces the required portfolio by around £314,000.
Delphina also shows what moves the date. Increasing your SIPP contribution by £300 a month brings retirement forward by 8 months. Reducing monthly eating out by £150 adds 3 months.
Add up your real annual spending for the last 12 months from your bank statements and multiply by 25. That is your FIRE number today. Connect Delphina this week to get the date.