Blincoe Financial Planning

FIRE Calculator

FIRE means Financial Independence, Retire Early. This estimates the earliest age you could realistically stop work, taking account of the fact that your pension is locked until age 57. All figures are in today's money.

Before you start. This is a guidance tool to help you explore ideas, not financial advice or a personal recommendation, and the results are estimates rather than a forecast. The value of investments can fall as well as rise and you could get back less than you put in. For advice based on your own circumstances, please get in touch.
About you
What you would want to live on each year, in today's money.
£
Accessible savings
ISAs, general investment accounts and cash. Money you can draw on at any age, including before 57. This is what funds early retirement until your pension unlocks.
£
£
Pension
Workplace and personal pensions, including employer contributions. Locked until age 57, so it cannot fund the early years of retirement.
£
£
Assumptions
Pre-filled with sensible defaults. Leave them, or adjust if you have a view.
%
%
%
Growth and inflation set your real (after-inflation) return. The withdrawal rate is the share of your pot you draw each year; a lower rate means a bigger, safer pot, which matters most for a long early retirement.
Your estimate
How we calculated this
Your FIRE number (target pot)
Real return used (after inflation)
You hit your number at
Pension accessible fromAge 57
Earliest realistic retirement
Important information

This calculator provides guidance only. It is not financial advice, a personal recommendation, or a reliable forecast of what will happen.

The results are estimates based on the figures and assumptions used, including an assumed rate of investment growth. Assumed returns are not a guide to future performance and are not guaranteed. The value of investments can fall as well as rise, and you may get back less than you invest. Actual outcomes will differ, sometimes significantly.

The tool makes simplifying assumptions: all figures are in today's money; contributions are assumed to rise each year with inflation; a fixed withdrawal rate is used; and pensions are assumed to be inaccessible until age 57 (some people can access earlier under a protected pension age). It ignores tax, product charges, the State Pension and other income, and the risk of poor returns in the early years of retirement. The 4% rule and similar withdrawal rates are drawn from historic US data and may not hold over the longer horizons typical of early retirement.

Tax treatment depends on your individual circumstances, and tax and pension rules may change in the future. This information is intended for UK residents only. Please seek regulated financial advice before making any decisions.

Blincoe Financial Planning Ltd is an appointed representative of Sense Network Limited, which is authorised and regulated by the Financial Conduct Authority. Blincoe Financial Planning Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference [FRN]. Registered in England and Wales, company number [company number]. Registered office: [registered office address].

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Want help building the bridge?

Getting to financial independence early is as much about where you hold your money as how much you have. We can help you balance ISAs against pensions, plan the years before 57, and pressure-test whether your number really lasts.

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Blincoe Financial Planning Ltd is an appointed representative of Sense Network Limited, which is authorised and regulated by the Financial Conduct Authority. Entered on the Financial Services Register under reference [FRN]. Registered in England and Wales, company number [company number].