UK FIRE Calculator

UK FIRE Calculator helps you plan your path to Financial Independence, Retire Early (FIRE) with UK-specific accounts and tax rules — free, private, and no sign-up.

Everything runs on your device. No account, no data stored.

MODEL YOUR FULL PORTFOLIO
• Stocks & Shares ISA, Lifetime ISA (LISA), SIPP/Pension, and GIA
• Employer and employee pension contributions with salary sacrifice
• DC & final-salary (DB) Pensions
• State Pension income from your chosen age
• Couples modelling
• Rental income
• Monte Carlo Simulation

UK TAX-ACCURATE (2026/27)
• 2026/27 income tax rates and personal allowance
• National Insurance and Capital Gains Tax on GIA withdrawals
• LISA 25% government bonus included automatically

UNDERSTAND YOUR RETIREMENT
• FIRE number based on your spending and safe withdrawal rate
• Portfolio projection to age 100
• Tax-efficient withdrawal order in retirement
• Bridge period planning before pension access age (57 from 2028)

VISUALISE YOUR PROGRESS
• Portfolio growth chart by account type
• Retirement income breakdown by source
• Key milestones: FIRE age, £1M, State Pension, account depletion

LEARN AS YOU PLAN
• 50+ in-depth UK FIRE guides — the 4% rule, ISA vs SIPP, salary sacrifice, the State Pension, and "can I retire at 55/60?" scenarios

Free, private, no sign-up. Find your FIRE number today.

This calculator is for educational and planning purposes only and does not constitute financial advice. Always consult a qualified financial adviser before making significant financial decisions.