When can you reach financial independence?
Model your FIRE number, the age you could stop work, and the pension bridge — the years between early retirement and accessing your pension at 55. Adjust the inputs to see it update live.
Your FIRE number
£875,000
at a 4.0% withdrawal rate
Reach FI at age
48
in 13 years
Pension bridge
Covered
£470,193.34 at 55
Wealth through retirement
Accessible savings must bridge from your retirement age to pension access at 55.
You could reach financial independence at 48
That’s a £875,000 target, about 13 years away. Northing keeps this projection live against your real accounts and the current UK tax year — and we’ll pre-fill it with the numbers you just entered.
Free to start · No bank logins · UK-built
How the FIRE calculator works
FIRE stands for Financial Independence, Retire Early. Your FIRE number is the size of pot that could fund your lifestyle indefinitely: your target annual spending divided by your withdrawal rate. At a 4.0% withdrawal rate, every £1 of annual spending needs about £25 invested.
The hard part in the UK isn’t the FIRE number itself - it’s the pension bridge. If you stop work before pension access age (55), your ISAs, GIA and cash have to carry you through the gap, because your SIPP and workplace pension are locked. This calculator models both pools separately so you can see whether your accessible savings actually cover the bridge.
Common questions
Figures use the 2026/27 tax year. This tool gives estimates for guidance only and is not financial or tax advice. Figures are estimates in today’s money based on the inputs above and a constant real return. Always verify the current rules on GOV.UK: plan your retirement income. Northing accepts no liability for decisions made on the basis of these estimates.