LoanPay Logic
FIRE Calculator
FIRE Number Calculator for UK early retirement planning.
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.