The capital target is monthly spending × 12 ÷ (withdrawal rate ÷ 100). The withdrawal rate is your assumption, not a guarantee of safe or perpetual spending. Chosen starting capital replaces the invested amount only when you apply it.
The timeline uses a fixed monthly return equal to the entered annual percentage ÷ 12 ÷ 100. Existing capital grows each month before the contribution is added at month-end. At 0% return, only contributions close the gap; estimates beyond 200 years are not shown.
Coast uses a separate annual convention: target ÷ (1 + annual return ÷ 100) raised to the non-negative age gap, without further contributions. Monthly timeline and annual Coast compounding differ intentionally. Inflation, taxes, fees, market volatility, withdrawal and asset-access risks are omitted.
Net worth includes all entered assets and liabilities. Chosen capital is an explicit subtotal of positive net values after reserves. Negative equity and other debt remain visible; the chosen subtotal is not a claim that debts are cleared.
Only if your own scenario uses actual current capital. A home’s net value is not verified sale proceeds, and pension access depends on your circumstances. Promised future pension income is not current capital; the tool applies no national eligibility or tax rule.
No. They use fixed assumptions and different monthly and annual growth conventions. Selected cash is treated like the hypothetical portfolio, not a deposit. Review access, debt, inflation, tax and withdrawal risk before making real decisions.
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Compare an investment target and an estimated path using your spending, contributions and return assumptions. Choose which assets belong in starting capital; total net worth is a different measure.
These fixed-assumption estimates do not guarantee retirement or the ability to stop contributing. Inflation, taxes, access restrictions and withdrawal risk are not modeled.
Complete every amount, using 0 where appropriate. Use a decimal point or comma, without thousands separators, signs or more decimal places than this currency allows.
Enter return assumptions from 0 to 100%; the withdrawal rate must be greater than 0 and at most 100%. Ages must be whole numbers from 0 to 100.
Step 1 · Your FIRE number
Estimated FIRE capital target
£900,000.00
£36,000.00 ÷ 4%
Step 2 · Time to get there
Editing starting capital directly removes its link to this helper. Later helper edits do not update that manual value.
Enter gross values, debts tied to each bucket and amounts to keep protected. Choose a starting amount from the remaining positive net value; nothing is selected automatically.
Use one consistent individual or household scope and one currency. Changing currency changes the units, without converting amounts.
All choices start at 0. Select home equity or pension capital only under your own explicit assumptions about using it.
Enter current pension capital only; a promised future pension income is not current capital. No national access, tax or sale-proceeds rule is applied.
Enter each debt once. Include here only debts not already attached to an asset bucket.
Unselected positive net value includes protected reserves. Those reserves are not deducted from net worth a second time.
Net worth equals chosen plus unselected positive net value, minus asset deficits expressed as positive amounts, minus other debt. Other debt stays visible and is not deducted again from chosen capital.
Chosen capital is neither debt-free wealth nor cash available to spend. Debts, sale costs and access restrictions can still matter.
Selected cash uses the same hypothetical return as the portfolio. This is not a deposit-interest estimate.
Reset zeroes the helper. If its total was applied, it also sets starting capital to 0 and removes the link; an independent manual starting value is kept.
Inputs stay in this page’s memory. They are not stored, put in a URL or sent to financial-input analytics. Reload to remove them.
Estimated time to the target
23 years, 6 months
Step 3 · Coast FI
Estimated Coast capital now
£32,025.69
Gap to estimated Coast capital
£32,025.69
| Age | Years of growth | Estimated Coast capital now |
|---|---|---|
| 20 | 45 | £12,347.29 |
| 30 | 35 | £32,025.69 |
| 40 | 25 | £83,066.40 |
| 50 | 15 | £215,452.84 |
| 60 | 5 | £558,829.19 |