Financial Independence
FIRE Calculator
Financial Independence, Retire Early. Find out when you can stop working — based on your savings rate and investment returns.
Your Numbers
£
£
£
Expected Annual Return7%
Conservative 1%Aggressive 15%
Key Stats
FIRE number (25× expenses)£750,000
Total contributions£298,000
Investment growth£452,000
Savings rate29%
Years to FIRE
24
Retirement Age
54
FIRE Number
£750k
Portfolio Growth Over Time
Total Contributed
Portfolio Value
Sources & References
The 4% rule is based on long-run historical stock market data. Past returns do not guarantee future performance. This is for illustrative purposes only — not financial advice.
💡 FIRE Tips
- • The 4% rule: withdraw 4% of your portfolio per year — historically sustainable for 30+ years (hence the 25× multiplier).
- • Use a Stocks & Shares ISA (£20k/year) — all growth and withdrawals are completely tax-free.
- • r/FIREUK has 300k+ members with UK-specific advice, drawdown strategies, and success stories.