UK FIRE Calculator

UK FIRE Calculator helps you plan your journey to Financial Independence, Retire Early (FIRE) using UK-specific accounts and tax rules.

MODEL YOUR FULL PORTFOLIO
• Stocks & Shares ISA, Lifetime ISA (LISA), SIPP/Pension, and GIA • Employer and employee pension contributions with salary sacrifice
• State Pension income from your chosen age

UK TAX-ACCURATE • 2025/26 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

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

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.