FIRE Calculator
Financial Independence, Retire Early. Calculate exactly how much you need and how long it will take to reach full financial freedom.
Your Details
FIRE Number
£750,000
At 4% withdrawal
Years to FIRE
25 yrs
FIRE age: 55
Coast FIRE Number
£70,247
Invested today to coast
Annual Contribution
£10,000
Needed to hit target
Portfolio Projection
Assumes 7% nominal annual return. Not inflation-adjusted.
How does the FIRE calculator work?
The FIRE number is calculated using the 4% rule: multiply your desired annual income by 25. If you need £30,000/year, you need £750,000 invested. The calculator then shows how many years of saving at your stated contribution rate — assuming your chosen growth rate — it takes to reach that number.
It also shows your Coast FIRE number — the smaller milestone where you can stop contributing and let compound growth carry you the rest of the way.