The Fire Calculator · live

When can you stop working?

The mortgage-aware, couple-ready UK FIRE calculator — projections in today's pounds. Type your numbers — your Freedom Day and full projection update instantly. Nothing leaves this device.

Your numbers

Tap a card to expand. Everything updates as you type.

What we project for you

Hard numbers and the year-by-year story behind your Freedom Day.

Plan shape

Lifestyle scenarios — how you'd plan to live in retirement.
Traditional FIRE · Your Freedom Day
May 2036in 10 years · age 45
FIRE Number
£412,442
£374.9K spend + £37.5K legacy
lasts to age 85
Investments
£55,000
£25,000 accessible now
Mortgage remaining
£200,000
paid off in 25.0 yrs
Monthly Savings
£700
23% savings rateabove UK average
Projection · real terms

Path to financial freedom

Your net worth over time. The gold band is your pension — locked until 57. The green band is what you can touch any time (ISA, LISA, Cash, GIA). The black line is the total. Net worth dips after retirement because you're drawing down to live.

Market outlook
your account returns as entered
Pension (locked)Accessible nowFIRE target £412.4K
Key milestones
  1. Earliest FIRE 45
  2. Pension unlocks 57
  3. Chosen retirement 60
  4. Mortgage-free 61
Coming soon
What if?

Small tweaks, big shifts

Soon you'll be able to test single-lever changes — *what if I saved £100 more, cut £100 in expenses, or overpaid the mortgage?* — and watch your Freedom Day move in real time.

  • Save £100 more / month
    Add £100/mo to your ISA contribution
    shaves months off your Freedom Day
  • Cut £100 / month from expenses
    Lower spending raises your savings rate AND lowers your FIRE number
    double-impact lever — often the biggest
  • Overpay mortgage £200 / month
    Trade liquidity for interest saved
    clears the mortgage years earlier

Want this sooner? Edit any input directly above and the projection already recomputes live — these scenarios will just make it one click.

Mortgage paydown · nominal £

£200,000 → £0

Clear at age 61
Breakdown

Year-by-year breakdown

Period figures (Income, Expenses, Mortgage, Invested) are for that month/year. Balance figures (Cash, GIA, ISA, Pension, Mortgage owed, Net worth) are at the end of the period.

Period flowBalance at end of period
MonthIncomeExpensesMortgage paidInvestedCashGIAISA + LISAPensionMortgage owedNet worth
M1£3K£700£1.1K£1.6K£480£240£25.5K£30.6K£199.7K-£142.8K
M2£3K£700£1.1K£1.6K£960£481£26K£31.2K£199.3K-£140.6K
M3£3K£700£1.1K£1.6K£1.4K£723£26.6K£31.8K£198.9K-£138.4K
M4£3K£700£1.1K£1.6K£1.9K£965£27.1K£32.5K£198.6K-£136.2K
M5£3K£700£1.1K£1.6K£2.4K£1.2K£27.6K£33.1K£198.2K-£133.9K
M6£3K£700£1.1K£1.6K£2.9K£1.5K£28.1K£33.7K£197.9K-£131.7K
M7£3K£700£1.1K£1.6K£3.4K£1.7K£28.7K£34.3K£197.5K-£129.5K
M8£3K£700£1.1K£1.6K£3.8K£1.9K£29.2K£35K£197.2K-£127.2K
M9£3K£700£1.1K£1.6K£4.3K£2.2K£29.7K£35.6K£196.8K-£125K
M10£3K£700£1.1K£1.6K£4.8K£2.4K£30.3K£36.2K£196.4K-£122.7K
M11£3K£700£1.1K£1.6K£5.3K£2.7K£30.8K£36.9K£196.1K-£120.4K
M12£3K£700£1.1K£1.6K£5.8K£2.9K£31.3K£37.5K£195.7K-£118.2K

Today's £ (real terms). Scroll the table horizontally to see all balance columns; the period column stays anchored on the left.

Milestones

4 of 23 achieved
Done
  • First £10k invested
    The hardest milestone — done.
  • £25k invested
    Real momentum.
  • £50k invested
    Halfway to six figures.
  • ISA Bridge funded
    £1.1M accessible covers the gap.
Up next
  • £100k club
    ~2 yrs away · £45K to go
  • Coast FI
    ~2 yrs away · £32.8K to go
  • £150k invested
    ~4 yrs away · £95K to go