The 4% rule is a useful heuristic, but it is not guaranteed. It should be stress tested against market returns, inflation, and spending flexibility.

LoanPay Logic

FIRE Calculator

Early retirement target planner

FIRE Number Calculator for UK early retirement planning.

Q: What is the 25x rule?

The 25x rule suggests multiplying annual spending by 25 to estimate a rough FIRE target. It is often associated with a 4% safe withdrawal rate.

Estimate your financial independence target, project your years to FIRE, and track whether your current savings pace is keeping you on course.

Estimated FIRE Number

£750,000

Based on your annual spending and safe withdrawal rate.

Projected FIRE Age

59.6

Current age plus estimated years to reach your target.

How it works

A clear pathway from today’s savings to financial independence.

Readiness

Needs Acceleration

Savings rate

28.6%

Years to FIRE

24.6

Why this matters

Built for clear retirement planning and better savings decisions.

Use the calculator to test different withdrawal rates, spending levels, and savings rates. A small change in monthly savings can significantly reduce the time to financial independence.

Frequently asked questions

What is the 25x rule?

The 25x rule says that if your annual spending is £30,000, a rough FIRE target is around £750,000. It is based on the 4% withdrawal guideline.

Is the 4% rule safe?

It is a popular starting point, but safe withdrawal rates depend on market conditions, inflation, spending flexibility, and time horizon. Many people stress test with 3% to 3.5%.

How is projected years to FIRE calculated?

The estimate uses your current investments, monthly savings, and the selected return assumption to calculate the time needed to reach the FIRE number.

Educational note: projections are estimates and should be reviewed alongside tax, pension, and inflation considerations before making financial decisions.