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 — try it now
Your FI number
£750,000
Years to FI
24.8
Age at FI
55
Based on the 4% rule. Projection assumes constant real returns — actual results will vary.
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.