FIRE Calculator
Calculate your FIRE number and how long until financial independence. Lean, regular, fat, barista, and custom FIRE modes.
Financially independent at
Age 47
The 4% rule means withdrawing 4% of your portfolio in year one, then adjusting for inflation each year. Based on Bengen (1994) using US historical data — a widely accepted safe rate.
Maintain current lifestyle in retirement.
Financially independent at
Age 47
17 17 years from now
FIRE number
£750,000
Annual saving
£20,000
Savings rate
40%
Strong saver
Your savings rate of 40% is above a typical 10% savings rate. Aim for 50%+ to accelerate your path to financial independence.
Source: ONS household savings ratio, Q3 2025.
Coast FIRE
Age 32
At age 32, you could stop saving entirely and your £98,525 would grow to £750,000 by age 60 from returns alone.
Path to financial independence
| Age | Contributed | Growth | Portfolio |
|---|---|---|---|
| 30 | £50,000 | £0 | £50,000 |
| 31 | £70,000 | £3,500 | £73,500 |
| 32 | £90,000 | £8,645 | £98,645 |
| 33 | £110,000 | £15,550 | £125,550 |
| 34 | £130,000 | £24,339 | £154,339 |
| 35 | £150,000 | £35,142 | £185,142 |
| 36 | £170,000 | £48,102 | £218,102 |
| 37 | £190,000 | £63,369 | £253,369 |
| 38 | £210,000 | £81,105 | £291,105 |
| 39 | £230,000 | £101,483 | £331,483 |
| 40 | £250,000 | £124,687 | £374,687 |
| 41 | £270,000 | £150,915 | £420,915 |
| 42 | £290,000 | £180,379 | £470,379 |
| 43 | £310,000 | £213,305 | £523,305 |
| 44 | £330,000 | £249,936 | £579,936 |
| 45 | £350,000 | £290,532 | £640,532 |
| 46 | £370,000 | £335,369 | £705,369 |
| 47 | £390,000 | £384,745 | £774,745 |
See how your investments grow →
Model specific investment scenarios with compound interest