FIRE Calculator — UK Retirement Planner

Current age32

Retirement age50

State pension age

Workplace pension access age

Current gross salary

Salary growth (real)2.5%

Target retirement income

Safe withdrawal rate5%

Withdrawal mode

Draws exactly £30,000/yr — shows if pots survive to 90

State pension (annual)

All figures are in today's money (real terms), so you don't need to guess future inflation when setting your target.

Pension contribution7.5%

Employer match5%

ISA / stocks (monthly)

Salary growth is also applied to your monthly stocks contribution.

Current stocks value

Current pension value

Real return rate5%

Inflation rate2.5%

No career breaks. Add up to 5 periods — contributions pause but assets keep compounding.

Retirement projection

Real terms · ages 32–90

Plan feasible

Portfolio at retirement

£957,297

Stocks £510,581 · Pension £446,716

Sustainable income

£59,365

At 5% SWR · target £30,000

Years to retirement

Retire at age 50

Surplus vs target

+£29,365

Pots last to age 90