At what age can you reach financial independence in the UK, and how much wealth does it take?
This interactive UK FIRE planning tool shows you how all your assets—SIPPs, ISAs, GIAs, cash and rental income can work together to fund early retirement. Test scenarios, adjust withdrawal rates, and instantly see the age you can retire and the wealth required to sustain your lifestyle.
How the Calculator Works?
This calculator brings together all your UK assets: SIPPs, ISAs, GIAs, cash savings and any additional income to show how long your money can last and the earliest age you can retire. It runs a year-by-year model across your working years and retirement, applying your withdrawal rate, contributions, investment growth and State Pension eligibility to give you a realistic early-retirement timeline.
Step One: Map Your FIRE Starting Point
Enter your age, assets and contributions. The calculator models your SIPPs, ISAs, GIA, cash and any additional income to establish a clear picture of where you currently stand.
Step Two: Discover Your FIRE Age
Based on your savings, investment growth, withdrawal rate and income assumptions, the tool calculates the earliest age at which your portfolio can safely support your desired annual spending.
Step Three: Optimise Your Plan
Adjust spending levels, contributions, growth assumptions, rental income or side income to see how each change affects your FIRE age. Build a resilient plan that still works even when markets or life don’t behave perfectly.
Disclaimer:
This calculator is designed for illustration and planning guidance only. It can help you understand your potential early-retirement trajectory, but it isn’t financial advice. Everyone’s circumstances are different, so consider speaking with a qualified financial adviser before making any major decisions.
What does retirement mean to you?
Traditional retirement is broken. Understand how our calculator enables you to live a better life now vs later.
Retire from corporate work?
Use the tool to utilise how you can step away from the corporate world and live life on your own terms.
Work less, live more
See how part-time or project-based work can bridge your income gap while giving you more time for life.
Freedom through planning
Understand how your savings, spending and investments can work together to buy back your time.
Test-drive retirement early
Model scenarios that let you experience elements of retirement before fully stepping away.
What is the Early Retirement Feasibility Calculator?
The Early Retirement Feasibility Calculator shows you the earliest age you can realistically retire based on your current assets, contributions, spending and investment assumptions. It models your pensions, ISAs, GIAs, cash and income sources to reveal your personalised FIRE age and how sustainable your retirement plan could be.
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It’s a framework for building enough wealth through savings, investing and efficient spending to stop relying on traditional employment long before State Pension age. This calculator models your personal FIRE age based on your assets, contributions and spending.
What is a safe withdrawal rate?
A safe withdrawal rate (SWR) is the annual percentage of your portfolio you can withdraw in retirement without running out of money. Common UK assumptions range from 2.5% to 4%, depending on market conditions, asset allocation, and risk tolerance. Our calculator lets you choose the rate that matches your planning style.
What growth and inflation numbers should I use?
Many people model long-term investment growth in the 4%–7% range and inflation between 2%–3.5%, but these are personal assumptions, not predictions. You can adjust both inputs to reflect your beliefs, risk appetite or current market conditions. Lower growth or higher inflation will push your FIRE age later; the opposite will bring it forward.
What information do I need to use the tool?
You’ll need:
- Your current age
- Your pension, ISA, GIA and cash balances
- Monthly or annual contributions
- Any rental or extra income
- Your target annual spending in retirement
- Your assumptions for growth, inflation and withdrawal rate
The more accurate your inputs, the more meaningful the output.
Does this calculator include the State Pension?
Yes. It automatically factors in your State Pension from the age you select (typically 67 unless you adjust it). You can disable or change it if you want to model retiring abroad or taking a conservative approach.
Does it account for rental income or part-time work?
Yes. You can add multiple income sources, BTL income, small business income, consultancy work, or anything else, to see how even small amounts can meaningfully reduce your FIRE age.
Is my information saved or stored?
No. All calculations run in your browser. We do not store, transfer or retain any personal data.
Can this replace a financial adviser?
No. This tool provides a reliable benchmark and planning framework, but it cannot account for the full complexity of your financial situation. For personalised advice, speak to a qualified financial adviser
How accurate is the FIRE age output?
It’s only as accurate as your inputs and assumptions. Markets don’t grow in straight lines, so use this as a planning guide, not a guaranteed prediction. You can improve accuracy by stress-testing higher/lower returns, changing inflation, and adding or removing income sources.