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Your FIRE Journey, Mapped

Calculate your path to financial independence with precision

How People Are Using Delphina for FIRE

Delphina's FIRE calculator helps you track your journey to financial independence with powerful projections, scenario modelling, and progress monitoring tools designed for the ambitious saver.

Core FIRE Features

  • FIRE Number Calculator

    Calculate your exact target based on expenses and withdrawal rates

  • Progress Tracking

    Monitor your journey with real-time percentage to goal

  • Safe Withdrawal Rate Analysis

    Test different SWR strategies (3%, 4%, 5%+)

  • Scenario Modelling

    Model different retirement ages and strategies

Advanced FIRE Tools

  • Coast FIRE Calculator

    See when your existing investments are enough

  • Fat FIRE Planning

    Plan for luxury retirement lifestyles

  • Barista FIRE Strategy

    Model part-time work in retirement

  • FIRE Milestone Tracking

    Celebrate key progress points

Hypothetical FIRE Journey Examples

Hypothetical Example: Mid-Career Professional

Age 40 • Net Worth £1.8M • Target: Age 45

5 years
To FIRE
£78K
Annual FIRE Income
68%
Progress to Goal

"This hypothetical scenario shows how Delphina could help model different leverage strategies and choose the optimal path. The scenario planning provides confidence to make bold financial decisions."

Hypothetical Example: Early Career Builder

Age 38 • Net Worth £260K • Target: Age 50

12 years
To FIRE
£4K
Monthly FIRE Target
4% SWR
Withdrawal Rate

"This hypothetical example demonstrates how progress tracking could keep users motivated. Seeing percentage to goal increase each month makes the financial sacrifice worthwhile."

Your FIRE Number, Calculated
No more guessing, just precise planning
£1.25M
Projected FIRE target
4%
Safe withdrawal rate
11 years
Typical timeline

FIRE Strategies Made Simple

Lean FIRE

Minimal expenses, maximum savings rate. Live frugally to reach FIRE faster.

Target: 25x annual expenses

Fat FIRE

Luxury retirement lifestyle. Higher expenses mean larger target but more comfort.

Target: 30-50x annual expenses

Barista FIRE

Part-time work covers some expenses. Lower target, semi-retired lifestyle.

Target: 20x remaining expenses

Coast FIRE

Stop contributing, let existing investments grow. Work becomes optional.

Target: Current investments × growth rate

Why Delphina's FIRE Calculator Works Better

UK-Specific Calculations

Accounts for UK taxes, pensions, ISA allowances, and cost of living differences.

Real-Time Progress Tracking

See exactly how market movements and savings affect your FIRE timeline.

Scenario Planning Power

Model different strategies, retirement ages, and lifestyle choices instantly.

Integrated Financial View

Connects to your complete financial picture - investments, expenses, and goals.

Your FIRE Journey Starts Here

Financial Independence is Possible

Whether you're 25 or 45, starting from £10K or £500K, Delphina helps you create a realistic path to FIRE. The key is starting now.

42%
Projected users reaching FIRE target faster than planned
3.2 years
Potential timeline reduction using Delphina's optimisation
£847K
Typical FIRE target for UK users

Ready to Calculate Your FIRE Number?

Take the first step toward financial independence with our comprehensive FIRE calculator.

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