FIRE Calculator UK
Work out your FIRE number and how many years until Financial Independence, Retire Early. Enter your savings, contributions, and expected returns to see your projected FI date.
Calculate Your FIRE Number
Enter your current situation to estimate the pot you need for financial independence, and roughly how many years of saving and investing it will take to get there.
Your FIRE Inputs
Enter your savings and spending details
FIRE Projection
Your estimated path to financial independence
Savings Rate vs Years to FIRE
A widely used rule of thumb showing roughly how many years of work it takes to reach financial independence at a given savings rate, assuming a real investment return of around 5% and a 4% withdrawal rate.
| Savings Rate | Approx. Years to FIRE |
|---|---|
| 10% | ~51 years |
| 20% | ~37 years |
| 30% | ~28 years |
| 40% | ~22 years |
| 50% | ~17 years |
| 60% | ~12.5 years |
| 70% | ~8.5 years |
| 80% | ~5.5 years |
FIRE Calculator FAQ
Answers to the most frequently asked questions about planning for Financial Independence, Retire Early in the UK.
Your FIRE number is the size of investment portfolio needed to cover your living costs indefinitely without earned income. It is typically calculated as your desired annual spending divided by a safe withdrawal rate, most commonly 4%, which is the same as multiplying your annual spending by 25.
The 4% rule is the most widely used starting point, based on historic US market research, though many UK FIRE planners use a more conservative 3% to 3.5% rate to account for different market conditions, sequence-of-return risk, and a longer retirement horizon.
Savings rate is the single biggest driver of how quickly you reach FIRE. A higher savings rate both grows your pot faster and reduces the annual spending target you need to cover, so small increases in savings rate can cut many years off your working life.
This calculator treats your total invested savings as one pot and does not separately model UK tax wrappers such as ISAs, SIPPs, or workplace pensions, or their different access ages. For a full plan, consider how much of your FIRE pot sits in accounts you can access before the normal pension age.