UK early retirement planner
FIRE (Financial Independence, Retire Early) Number Calculator
Plan your SIPP, ISA, and GIA assets, visualize your bridge period, and estimate your retirement readiness with a high-end, dark-mode workflow.
FI Number Required
£750,000
Annual spending ÷ SWR (4.0%)
Savings Rate
33.0%
(Annual savings ÷ total income) × 100
Tax-Efficient Withdrawal Order
GIA → ISA → Pension
Tax-efficient withdrawal order: GIA → ISA → Pension
Goal age is before pension access — you'll need a bridge strategy
Bridge period: 12 years. Estimated bridge shortfall: £91,814. Increase ISA/GIA funding, reduce spending, or delay goal age to improve resilience.
Inputs
Year-by-year asset evolution
| Age | Year | Contributions | Growth | Pension | ISA | GIA | Total Balance |
|---|---|---|---|---|---|---|---|
| 30 | 2026 | £19,800 | £3,301 | £57,548 | £31,971 | £18,583 | £108,101 |
| 31 | 2027 | £19,800 | £4,198 | £70,582 | £39,212 | £22,304 | £132,099 |
| 32 | 2028 | £19,800 | £5,130 | £84,123 | £46,735 | £26,170 | £157,029 |
| 33 | 2029 | £19,800 | £6,098 | £98,190 | £54,550 | £30,187 | £182,927 |
| 34 | 2030 | £19,800 | £7,104 | £112,804 | £62,669 | £34,359 | £209,831 |
| 35 | 2031 | £19,800 | £8,149 | £127,984 | £71,102 | £38,693 | £237,780 |
| 36 | 2032 | £19,800 | £9,234 | £143,755 | £79,864 | £43,196 | £266,814 |
| 37 | 2033 | £19,800 | £10,362 | £160,137 | £88,965 | £47,873 | £296,976 |
| 38 | 2034 | £19,800 | £11,533 | £177,156 | £98,420 | £52,733 | £328,309 |
| 39 | 2035 | £19,800 | £12,750 | £194,836 | £108,242 | £57,781 | £360,859 |
| 40 | 2036 | £19,800 | £14,014 | £213,203 | £118,446 | £63,024 | £394,673 |
| 41 | 2037 | £19,800 | £15,327 | £232,282 | £129,046 | £68,472 | £429,800 |
| 42 | 2038 | £19,800 | £16,691 | £252,103 | £140,057 | £74,131 | £466,291 |
| 43 | 2039 | £19,800 | £18,108 | £272,693 | £151,496 | £80,010 | £504,200 |
| 44 | 2040 | £19,800 | £19,581 | £294,083 | £163,380 | £86,117 | £543,580 |
| 45 | 2041 | £19,800 | £21,110 | £316,304 | £175,725 | £92,461 | £584,490 |
| 46 | 2042 | £19,800 | £22,699 | £339,388 | £188,549 | £99,052 | £626,989 |
| 47 | 2043 | £19,800 | £24,349 | £363,368 | £201,871 | £105,899 | £671,138 |
| 48 | 2044 | £19,800 | £26,064 | £388,279 | £215,711 | £113,011 | £717,001 |
| 49 | 2045 | £19,800 | £27,845 | £414,158 | £230,088 | £120,400 | £764,646 |
| 50 | 2046 | £19,800 | £29,695 | £441,042 | £245,023 | £128,076 | £814,141 |
| 51 | 2047 | £19,800 | £31,617 | £468,970 | £260,539 | £136,050 | £865,558 |
| 52 | 2048 | £19,800 | £33,614 | £497,982 | £276,657 | £144,333 | £918,972 |
| 53 | 2049 | £19,800 | £35,688 | £528,121 | £293,401 | £152,939 | £974,460 |
| 54 | 2050 | £19,800 | £37,843 | £559,431 | £310,795 | £161,878 | £1,032,104 |