TL;DR
FIRE Calculator: fire number is £750,000 — Reach it at age 49 (in 19 yrs).
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FIRE Calculator

When can you retire early?

FIRE Number
£750,000
Reach it at age 49 (in 19 yrs)
Annual Savings
£24,000
Years to FIRE
19 yrs
Withdrawal Rate
4.0%
Multiple of Spend
25.00×
Quick context
Read full guide: FIRE Philosophy →
  • FIRE = portfolio ≥ 25× annual spend, drawing 4%/yr (the Trinity-study rule of thumb).
  • Savings rate matters more than income — saving 50% of £40k beats 10% of £100k for time-to-FI.
  • Sequence-of-returns risk in the first 5 years can break the 4% rule — keep 1–3 years of cash buffer.
Stress test
What if the world changes? Toggle a scenario.
simulator
New fire number
£750,000
Δ vs baseline
+£0
Real value 1yr out
£731,707
@ 2.5% CPI
Today£750,000
Now£750,000
Current plan. Scenario figures are illustrative — they scale your current calculation rather than re-running every band. Useful for direction, not for filing.
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Path to FIRE

Age 30Age 34Age 38Age 42Age 46Age 49
Watch & learn
How FIRE Works in the UK
YouTube · Damien Talks Money

How FIRE Works in the UK

A short, plain-English walkthrough relevant to this page. We curate from trusted UK personal finance creators.

Watch on YouTube
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