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FIRE calculator

Financial independence, retire early — the UK version. Tax-aware ISA/SIPP/GIA projections replayed through every market since 1900, with real UK inflation. Every figure is spending power in today’s money.

1900–2025 • UK tax aware

Your plan

Current balances & monthly savings
Withdrawal strategy

UK mode: withdrawals are simulated tax-optimised — ISA first, then GIA (using the £3,000 CGT allowance), then SIPP from age 57 as UFPLS (25% tax-free, 75% taxed as income). SIPP savings get the 25% basic-rate uplift automatically. Tax bands are 2025/26, held constant in real terms.

Copy for AI puts a self-describing briefing of your plan on the clipboard — inputs, results, failure analysis, a re-simulated sensitivity table and every model assumption — ready to paste into ChatGPT, Claude or any AI chat to talk through and refine your plan.

Verdict

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Progress to FI number—

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    Plan sustainability——
    FI number ——
    Median pot at FI—Across all historical windows
    Median wealth at life expectancy——
    Historical backtest, not advice or a forecast. Simplifications: no dividend tax in the GIA, no NI, no Scottish bands, no pension allowance limits; tax rules held constant in real terms. Early-century windows use proxy reconstructions.

    Portfolio trajectory — every start year since 1900

    25th–75th percentile10th–90th percentileMedianWorst window

    Method and data sources