Calculate your path to financial independence
See your FI number, projected time to financial independence and how each extra contribution changes the timeline, based on your actual portfolio.
Free FIRE calculator & planner, try it now
Cover your full spending at a 4% withdrawal rate.
FI number
£750,000
Time to FI: 24.8 yrs · age 55
Dividend crossover
£857,143
Live off dividends in 26.5 yrs · age 57
Coast number
£98,525
Reached in 5.8 yrs · age 36
Portfolio at age 60
£1,138,307
£388,307 above your FI number
The 4% route sells some shares each year. The dividend crossover is when income alone covers spending, with no selling.
Your year-by-year roadmap
- First 100 a month in dividendsage 31
- Halfway to your FI numberage 47
- Coast FI reachedage 36
- Full financial independenceage 55
- Dividends cover all spendingage 57
What moves the needle?
Invest £150/mo more
1.8 yrs sooner
to FI
Spend £200/mo less
1.0 yrs sooner
to FI
1% higher return
1.9 yrs sooner
to FI
1% higher yield
3.1 yrs sooner
to dividend crossover
Estimates only. Assumes steady returns and reinvested dividends; real results vary.
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Personal FI number
Based on your real expenses and withdrawal rate.
Time to FI
Projected years until your portfolio covers your costs.
What-if scenarios
Adjust savings rate, returns and spending instantly.
How the FIRE calculator works
You enter your annual expenses, monthly contribution and expected real return. We combine this with your current portfolio value to project when your investments, and the dividends they throw off - will be enough to fund the lifestyle you want.
Beyond the 4% rule
- Toggle withdrawal rates from 3% (lean FIRE) to 5%.
- Factor dividend income directly into your FI journey.
- Visualise the compounding curve and the impact of small extra contributions.
Frequently asked questions
What is FIRE?
FIRE stands for Financial Independence, Retire Early, the point at which your investments generate enough passive income to cover your living costs.
How is my FI number calculated?
We use the 4% safe withdrawal rule by default (annual expenses × 25), and let you adjust the withdrawal rate to be more conservative.
Does it use my real portfolio?
Yes, your current holdings, dividend income and contributions feed straight into the projection.