Pick a direction
Coast and Barista change how we calculate your numbers below . Click either one to switch modes. Lean, Regular and Fat are the same maths as your default plan, just at a different spend; since your income figure below is already your real number, they're here for reference only.
The essentials, tightly run. Lowest number, earliest exit . A spartan but free retirement.
Doesn't change your numbersYour current lifestyle, funded indefinitely . No downgrade, no luxury, just steady.
Doesn't change your numbersRoom to spare for travel, help and treats. Higher number, more margin for life.
Doesn't change your numbersYour numbers
Covers part of your spending, so your portfolio only needs to fund the gap.
A long-run average, not a guarantee . Markets vary year to year.
The "4% rule" . How much you can draw each year without running out. Lower means safer, but a bigger number to reach.
Your FIRE number
£0
the lump sum that funds your retirement
Monthly savings needed
£0
to get there by your target age
Assumes a sustainable withdrawal rate equal to your expected return, so your pot keeps pace with what you draw from it.
The path there
Checkpoints