People planning financial independence and drawdown safety.
FIRE Calculator
Calculate your FIRE number and how long until financial independence. Lean, regular, fat, barista, and custom FIRE modes.
How we calculate this - methodology, formulas & sourcesFinancially independent at
Age 47
17 17 years from now
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
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Data sourced from central banks and statistics offices. Last verified Feb 2026.