UK Financial Independence Calculators

Calculate how much you need to retire in the UK, factoring in ISAs, SIPPs, and the State Pension.

Find out if your current portfolio will grow to your FIRE number without another penny of contributions.

Calculate your savings rate and see how many years until FIRE — the single most powerful lever in your plan.

Model semi-retirement — how much you need saved to leave your main career while working part-time.

Compare FIRE numbers and timelines for frugal, comfortable, and generous UK retirement lifestyles.

Compare FIRE numbers, required savings, and timelines for retiring at 40, 45, 50, 55, or 60.

Model the real after-tax difference between Stocks & Shares ISA and SIPP for UK FIRE investors.

Calculate your Lifetime ISA government bonus and how much it adds to your retirement pot.

See how long until you reach £1 million in your tax-free Stocks & Shares ISA.

Estimate your State Pension, check your NI qualifying years, and see how it reduces your FIRE number.

Model flexible pension drawdown — how long your SIPP will last and what your State Pension adds.

Estimate sustainable annual withdrawals based on your portfolio value and target withdrawal rate.

Calculate your take-home pay, income tax, and National Insurance for the 2025/26 tax year.

Calculate income tax and NI on your side hustle. See how much you can invest towards FIRE.

See whether your loan will be repaid or written off — and whether overpaying makes sense.

Calculate your ideal cash buffer before going all-in on FIRE investments.

See how much you can borrow and how your mortgage impacts your FIRE savings rate.

Calculate how much faster you pay off your mortgage and total interest saved by overpaying.

Calculate how much faster you will pay off a loan using the principal repayment method.

Prioritise high-interest balances first for maximum interest savings — the mathematically optimal approach.

Build momentum by eliminating the smallest debts first, then rolling payments forward.