Coast FIRE UK (£)
Work out your Coast FIRE number in pounds — the point where you can stop saving and let your ISA and pension compound to retirement.
ISA • SIPP • Workplace pension • State Pension • 100% Free📊 Your Details
Enter your information and toggle State Pension or other guaranteed income to see the impact.
📈 Your Results
See how State Pension and other income reduce your Coast FIRE target.
Based on retire at 67, 4% withdrawal, 3% inflation.
UK Coast FIRE by Age
Based on £30,000 annual spending, 4% withdrawal rate, 6% expected return, 3% inflation, retiring at 67. All figures in today's pounds.
| Current Age | Years to 67 | Coast FIRE Number | Full FIRE Number |
|---|---|---|---|
| 25 | 42 | £224,584 | £750,000 |
| 30 | 37 | £259,252 | £750,000 |
| 35 | 32 | £299,271 | £750,000 |
| 40 | 27 | £345,468 | £750,000 |
| 45 | 22 | £398,796 | £750,000 |
| 50 | 17 | £460,357 | £750,000 |
Change your spending, return, inflation, or retirement age in the calculator above for your exact number. Figures are in today's purchasing power.
UK Coast FIRE Insights
Key things to understand about Coast FIRE in the UK context.
Which Pots Count
Include your workplace pension (DC), SIPP, Stocks & Shares ISA, and Lifetime ISA. Cash savings and your home only count if you plan to invest them. The State Pension is guaranteed income — subtract it from your spending instead.
Access Ages Matter
You can access your private pension from 57 (rising from 55 in 2028). The State Pension starts at 67. Your ISA has no minimum age — it's your bridge to retirement. Plan your gap years carefully.
Real Return Assumptions
UK equities and gilts have historically averaged 5-6% real return. Our default of 6% expected return with 3% inflation gives a real return of about 2.9%. You can adjust these in the calculator above.
Triple Lock Protection
The State Pension rises each year by the highest of: average earnings growth, inflation (CPI), or 2.5%. This means its purchasing power is protected — a unique advantage for UK retirees.
Frequently Asked Questions
Common questions about Coast FIRE in the UK.
