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 57. Adjust the inputs to see it update live.

Your age35
Target retirement age50
Annual spending in retirement£35,000
Accessible savings (ISA, GIA, cash)£120,000
Monthly ISA / savings contribution£1,000
Pension pot (SIPP, workplace)£90,000
Monthly pension contribution£1,000
Expected real return5%
Withdrawal rate4.0%

Your FIRE number

£875,000

at a 4.0% withdrawal rate

Reach FI at age

48

in 13 years

Pension bridge

Covered

£446,077.13 at 57

Wealth through retirement

Accessible savings must bridge from your retirement age to pension access at 57.

3537394143454749515355575961636567697173757779818385878991939597100Age£0£1,500,000£3,000,000£4,500,000£6,000,000Stop workPension (57)State pension (67)
✓Bridge covered — £446,077.13 surplus at pension access age
Depletion age: Never

Track this for real with Northing

Connect your actual accounts and Northing keeps this projection current — modelling your FIRE date, the pension bridge and your UK allowances against the live tax year.

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This calculator is for guidance only and is not financial advice. Figures are estimates in today’s money based on the inputs above and a constant real return; real markets vary.