Calculate your FIRE number, years to financial independence, Coast FIRE target and safe withdrawal rate. UK-focused with State Pension and real return modelling.
Enter your current age and target retirement age
FIRE can target any age — typical UK FIRE targets are 45–55.
Enter your current portfolio and annual saving
Include all investable assets (ISA, SIPP, general account). Annual saving is the total you invest each year after tax.
Set your retirement spending
Enter your annual spending in today's money. Include everything: housing costs, food, travel, leisure.
Review your FIRE number
See the target portfolio, years to FI, Coast FIRE number and year-by-year projection.
Model State Pension
Enter your expected State Pension to see how it reduces your required FIRE number from age 67.
What happens after you submit your Self Assessment return — refunds, balancing payments, amendments, HMRC enquiries, the SA302 for mortgages, and the 5-year record-keeping rule
Making Tax Digital for Income Tax (MTD ITSA) starts April 2026 for £50k+ self-employed and landlords. Here's what it means, when it applies to you, the software requirements and how it changes Self Assessment forever.
How HMRC's payments-on-account system works, why your first January bill is bigger than expected, when to reduce them, and the trap of treating January and July as separate
Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.