The FIRE number
Annual spending divided by the withdrawal-rate assumption. Change either input and the target changes immediately.
Free UK FIRE calculator
Put a number behind “financial independence”.
Estimate the invested pot implied by your spending and withdrawal-rate assumption, then explore an illustrative timeline. Every input remains visible; none of them predicts the future.
FIRE number
£900,000
Progress
11%
Illustrative time
22y 6m
Illustration only, in today's money. It assumes a constant real return and contribution, ignores tax and fees, and does not predict investment performance or recommend a course of action. Your entries stay in this browser and are not sent to Compass.
Read the result properly
A model is a question, not an answer.
Today’s progress
Your invested pot divided by that target. Property and emergency cash may matter to your life without being spendable retirement assets.
The timeline
A simple monthly projection using one constant real return and contribution. Real markets, inflation, tax, fees and life are not constant.
The useful next question
Which assumption would change the conclusion most? Test a range and record why you chose it instead of trusting one neat date.
One household view
Track ISA, SIPP, workplace pension, GIA, crypto, cash, property, mortgage and loans together.
Understand the change
A concise briefing explains recorded movement and why it happened, grounded in the figures you supplied.
Manual-first by design
No bank linking is required. Add balances yourself or reconcile a broker CSV before anything changes.
A retirement target sits inside a bigger financial life.
Keep the target, the accounts behind it and the decisions around it in one place—with the assumptions still visible.
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