UK FIRE Calculator - The FIRE Woman

Use this free calculator to find out how many years it will take to reach financial independence. Adjust the sliders and watch your timeline update instantly.

Your FIRE Number is the investment portfolio you need so a 4% annual withdrawal covers your living costs indefinitely. This calculator works it out automatically and shows how your contributions and market growth combine to get you there.

Your UK FIRE Calculator

Find out how many years until your money works for you, not the other way around. Adjust the sliders to see how small changes today create enormous freedom tomorrow.

Your numbers

Annual Net Income

Your take-home pay after tax

Current Investments

Combined ISAs, SIPPs, investment accounts

Monthly Contribution

How much you invest each month

Desired Retirement Budget

Annual living expenses once financially free

Expected Annual Growth

Real return after inflation. Global index funds have averaged 6-7% long-term.

Your freedom timeline

Years to Financial Independence

18.5

years

Your FIRE Number: £550,000

At this savings rate, financial independence would take over 100 years. Try increasing your monthly contribution or reducing your retirement budget.

Wealth breakdown at FIRE

Your contributions£114,000

Market growth£436,000

Total portfolio£550,000

Portfolio growth over time

For illustration only. Not financial advice. Returns are not guaranteed and past performance is not a guide to future results. Always do your own research or consult a financial adviser.