Educational use only. Not financial, investment, tax or legal advice.

FIRE calculator UK

Calculate your path to Financial Independence and Retire Early. Discover your FIRE number, Coast FIRE point, and projected timeline.

Your Financial Details

Conservative (1%)Average (5%)Optimistic (12%)
Conservative (2%)Standard (4%)Aggressive (6%)

Optional - Pension Details

Reduces your required FIRE number by £300,000

Your FIRE Projection

Years to FIRE
20 years
At age 50
FIRE Number
£750,000
Coast FIRE
£135,968
Savings Rate
40%
Monthly Savings
£1,667
Coast FIRE Progress
£50,000 / £135,968

Your FIRE Milestones

Lean FIRE
Age 47
£631,408
Year 17
Lean FIRE
Age 48
£682,979
Year 18
Lean FIRE
Age 49
£737,128
Year 19
FIRE Achieved!
Age 50
£793,984
Year 20
Lean FIRE
Age 50
£793,984
Year 20

Your Path to Financial Independence

This chart shows your projected portfolio growth towards FIRE. The red dashed line is your FIRE number, the blue dashed line is your Coast FIRE number.

Lean FIRE

£600,000

Achievable in Year 17

FIRE

£750,000

20 years to independence

Fat FIRE

£1,500,000

Achievable in Year 30

Why Use Our UK FIRE Calculator?

Plan your journey to financial independence with our comprehensive FIRE calculator designed for the UK.

Multiple FIRE Targets

Calculate Lean FIRE, standard FIRE, and Fat FIRE targets based on your lifestyle goals.

Coast FIRE Analysis

See if you've reached the point where compound growth alone will fund your retirement.

Visual Timeline

See your projected path to FIRE with clear milestone markers and growth projections.

Start Your FIRE Journey Today

Sign up for free to access advanced FIRE planning tools, track your progress, and get personalised recommendations to reach financial independence faster.

Start Free PlanningLearn About FIRE
With Delphina, you can:
  • Track all your investments in one place
  • Run multiple FIRE scenarios
  • Optimize your savings rate
  • Plan for Coast FIRE and early retirement

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Frequently Asked Questions

How the FIRE calculator works

Your annual savings are your income minus your expenses. Your FIRE number is your target annual retirement spending divided by your safe withdrawal rate, so £30,000 a year at 4% needs £750,000. If you tick the State Pension option, the calculator reduces the target by a flat £300,000 to reflect the income the State Pension will provide later in life.

The projection starts from your current investments plus your pension, adds a year of growth at your expected return and a year of savings, and repeats until the portfolio reaches your FIRE number or 60 years pass.

What the results mean

  • FIRE number: the portfolio that could fund your target spending indefinitely at your chosen withdrawal rate.
  • Years to FIRE: how long it takes to reach that number at your current savings rate.
  • Coast FIRE number: the amount that, left invested with no further saving, would grow into your FIRE number by age 65.
  • Lean and Fat FIRE milestones: 20 and 50 times your target spending, a leaner and a more comfortable version of financial independence.
  • Savings rate: the share of your income you save. It usually matters more than investment returns for how quickly you get there.

UK things the headline number leaves out

  • Pension money is locked until minimum pension age (57 from 6 April 2028), so retiring earlier needs enough in ISAs or other accessible savings to bridge the gap. The ISA allowance is £20,000 a year.
  • Savings, expenses and returns are held constant and are not adjusted for inflation or tax on withdrawals.
  • The flat State Pension adjustment is a rough estimate. For a year-by-year view with market ups and downs, use the Monte Carlo retirement calculator.