UK FIRE Calculator

Plan your UK path to financial independence — pensions, ISAs, LISA & tax modelled properly. Now with Monte Carlo, couples mode & historical backtesting. 100% private.

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.