2%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for United Kingdom
A UK FIRE calculator: pensions, ISAs and the State Pension in one projectionworkplace pension · SIPP · ISA · Lifetime ISA · State Pension · National Insurance · pension access age · 4% rule
Nivritee’s FIRE Planner projects when your household could stop working, in pounds, with UK inflation and your workplace pension, SIPP, ISA and State Pension record pre-filled as rows. It is free: eight answers after sign-up, about two minutes.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| India | INR | 4.0% | 12.0% |
| United Kingdom | GBP | 2.0% | 8.2% |
| Singapore | SGD | 2.0% | 11.0% |
| United States | USD | 2.0% | 9.2% |
Eleven countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in GBP
Your FI number at a 4% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 4% withdrawal rate the planner uses for United Kingdom, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in GBP (£), with a Financial Freedom Index out of 100 beside it.
Your peer percentile compares your household’s net worth with households of your age in the ONS Wealth and Assets Survey, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
United Kingdom · the rates your plan starts from
The United Kingdom rates every plan projects with.
A plan for United Kingdom starts from these, in GBP. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
4%
Education inflation
School and university fees, which rise faster than everyday prices.
8.2%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
7%
Return while you work
An assumption, not a forecast — shown so you can change it.
4%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
4%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · United Kingdom schemes in one plan
Workplace pension, SIPP, ISA / LISA, State Pension credits — rows in your plan from the start.
- Workplace pension — Auto-enrolment pension through your employer, funded by you, your employer and tax relief.
- SIPP — Self-Invested Personal Pension: a personal pension where you choose the investments.
- ISA / LISA — Tax-free savings and investment accounts; a Lifetime ISA adds a government bonus for later life or a first home.
- State Pension credits — Qualifying National Insurance years built up towards your State Pension.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
United Kingdom · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
Private and workplace pensions can be taken from 55, rising to 57 from 6 April 2028.
Access age 2
State Pension age is rising from 66 to 67 between April 2026 and April 2028.
Access age 3
A Lifetime ISA can be withdrawn without a charge from 60; other withdrawals, except for a first home or terminal illness, pay a 25% charge.
FIRE Planner · United Kingdom
What your United Kingdom FIRE plan has to get right.
A UK FIRE plan usually runs on two wrappers: ISAs, which can be drawn at any time, and pensions, which stay locked until 55 — 57 from April 2028. Nivritee’s ledger shows every year between the day you stop and the day the pension opens, so the ISA’s job is visible.
Any State Pension needs at least 10 qualifying National Insurance years, and someone with no record before April 2016 needs 35 for the full amount. It starts at State Pension age, which reaches 67 by 2028. Add it as income that continues after you stop, and the FI number nets it off.
Your peer percentile compares your household’s net worth with British households of your age in the ONS Wealth and Assets Survey, aged forward from its survey years.
Settling abroad? Nivritee projects a move to another of its eleven markets, reporting the plan in that country’s currency and inflating costs there at its own rates.
Why Nivritee for United Kingdom
The FIRE Planner, joined to everything else your household runs.
Your United Kingdom plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Eleven markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator United Kingdom · questions
FIRE in United Kingdom: questions people ask.
How much do I need to retire early in the UK?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number uses a 4% withdrawal rate on your own spending, allows for tax on withdrawals, adds your goals and nets off the State Pension and any other income that keeps paying.
When can I access my pension in the UK?
Private and workplace pensions from 55, rising to 57 from 6 April 2028. The State Pension from State Pension age, which rises from 66 to 67 between April 2026 and April 2028.
Should my ISA or my pension pay for the early years?
Only an ISA can, before the pension access age: pensions stay locked until 55, or 57 from April 2028, while ISAs can be drawn at any time. A Lifetime ISA is the exception, charge-free only from 60. Nivritee shows the year-by-year projection so you can see whether what sits outside your pension covers the gap.
Is there a free FIRE calculator for the UK?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in pounds with UK inflation and your pension, ISA and State Pension. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how you compare with British households of your age.
Find your FI number for United Kingdom.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free