Work out your financial-independence number and how many years until you reach it, based on your savings rate and expected returns.
Your FIRE number
£700,000
£28,000 spending ÷ 4% (about 25× spending)
Savings rate
30.0%
£12,000/yr saved
Years to independence
26 yrs
A higher savings rate shortens this twice over — you invest more each year and need a smaller pot (because you live on less).
This is an educational illustration using the figures and assumptions you enter — not financial advice, a forecast, or a recommendation. Real returns vary and are never guaranteed. Always do your own research and consider professional advice before making financial decisions.
The free lessons behind this calculator: