FIRE Calculator – Financial Independence, Retire Early UK

FIRE - Financial Independence, Retire Early - is not just for extreme savers or high earners. It is a way of thinking about money that puts you in control of when work becomes optional. This calculator helps you work out your FIRE number (the amount you need invested to live off indefinitely), and shows how different savings rates and timelines affect your path to getting there.

The key inputs are simple: your current savings, monthly contributions, expected return, and the annual income you would want in retirement. The calculator projects how long it takes to hit your target, and shows how small changes - investing a bit more, retiring a little later - shift the timeline considerably.

Whether you are seriously planning for early retirement or just curious what financial independence would look like, the calculator gives you an honest, grounded picture rather than an optimistic estimate. Read more in the FIRE Guide for context on different approaches, from LeanFIRE to CoastFIRE.