Built for fast, responsive FIRE planning with ISA, SIPP, and GIA separation, bridge-year depletion warnings, and year-by-year portfolio projections.
FIRE stands for Financial Independence, Retire Early. The idea is to grow invested assets until they can sustainably fund your lifestyle without depending on earned income.
A common starting point is dividing annual spending by a safe withdrawal rate. A 4% rule implies a portfolio around 25 times annual spending, though your real withdrawal rate should reflect market risk, inflation, and personal flexibility.
Bridge years are the gap between your FIRE age and the age your pension becomes accessible. This calculator shows whether ISA and GIA assets can cover those years and highlights any shortfall.
Lean FIRE targets a frugal lifestyle, Coast FIRE relies on early compounding to do most of the heavy lifting, and Fat FIRE aims for a more comfortable or premium spending level.
A sensible simplified sequence is GIA first, then ISA, then pension once accessible. The right withdrawal strategy can reduce tax and improve bridge-year survivability.
Inputs
FI number
£750,000
Savings rate
48.1%
Bridge period analysis
On track for FI
Bridge years: 12
Need: £360,000
Bridge assets at goal age
£417,603
Shortfall
None
Depletion age
Not depleted
Tax-efficient withdrawal order is typically GIA first, then ISA, then pension after access age.
Goal-age total portfolio
£784,937
Goal-age pension
£367,334
Goal-age ISA + GIA
£417,603
Age, Year, Contributions, Growth, and ending balances
| Age | Year | Contrib. | Growth | Pension | ISA | GIA | Total |
|---|---|---|---|---|---|---|---|
| 30 | 2026 | £24,996 | £3,150 | £42,096 | £28,050 | £3,000 | £73,146 |
| 31 | 2027 | £24,996 | £5,120 | £55,039 | £42,014 | £6,210 | £103,262 |
| 32 | 2028 | £24,996 | £7,228 | £68,887 | £56,954 | £9,645 | £135,487 |
| 33 | 2029 | £24,996 | £9,484 | £83,706 | £72,941 | £13,320 | £169,967 |
| 34 | 2030 | £24,996 | £11,898 | £99,561 | £90,047 | £17,252 | £206,860 |
| 35 | 2031 | £24,996 | £14,480 | £116,526 | £108,350 | £21,460 | £246,337 |
| 36 | 2032 | £24,996 | £17,244 | £134,679 | £127,935 | £25,962 | £288,576 |
| 37 | 2033 | £24,996 | £20,200 | £154,103 | £148,890 | £30,779 | £333,772 |
| 38 | 2034 | £24,996 | £23,364 | £174,886 | £171,313 | £35,934 | £382,132 |
| 39 | 2035 | £24,996 | £26,749 | £197,124 | £195,305 | £41,449 | £433,878 |
| 40 | 2036 | £24,996 | £30,371 | £220,918 | £220,976 | £47,351 | £489,245 |
| 41 | 2037 | £24,996 | £34,247 | £246,379 | £248,444 | £53,665 | £548,488 |
| 42 | 2038 | £24,996 | £38,394 | £273,621 | £277,835 | £60,422 | £611,879 |
| 43 | 2039 | £24,996 | £42,831 | £302,771 | £309,284 | £67,651 | £679,706 |
| 44 | 2040 | £24,996 | £47,579 | £333,961 | £342,934 | £75,387 | £752,281 |
| 45 | 2041 | £9,996 | £52,660 | £367,334 | £366,939 | £50,664 | £784,937 |
| 46 | 2042 | £9,996 | £54,946 | £403,043 | £392,625 | £24,211 | £819,879 |
| 47 | 2043 | £9,996 | £57,392 | £441,252 | £416,014 | £0 | £857,266 |
| 48 | 2044 | £9,996 | £60,009 | £482,136 | £415,135 | £0 | £897,271 |
| 49 | 2045 | £9,996 | £62,809 | £525,881 | £414,194 | £0 | £940,076 |
| 50 | 2046 | £9,996 | £65,805 | £572,689 | £413,188 | £0 | £985,877 |
| 51 | 2047 | £9,996 | £69,011 | £622,773 | £412,111 | £0 | £1,034,885 |
| 52 | 2048 | £9,996 | £72,442 | £676,364 | £410,959 | £0 | £1,087,323 |
| 53 | 2049 | £9,996 | £76,113 | £733,705 | £409,726 | £0 | £1,143,431 |
| 54 | 2050 | £9,996 | £80,040 | £795,060 | £408,407 | £0 | £1,203,467 |
| 55 | 2051 | £9,996 | £84,243 | £860,711 | £406,995 | £0 | £1,267,706 |
| 56 | 2052 | £9,996 | £88,739 | £930,956 | £405,485 | £0 | £1,336,441 |
| 57 | 2053 | £0 | £93,551 | £996,123 | £403,869 | £0 | £1,399,992 |
| 58 | 2054 | £0 | £97,999 | £1,065,852 | £402,140 | £0 | £1,467,992 |
| 59 | 2055 | £0 | £102,759 | £1,140,462 | £400,290 | £0 | £1,540,751 |