UK Coast FIRE Calculator
Your Coast FIRE number in pounds, with the State Pension actually counted. Results update as you type.
This is the Coast FIRE calculation in pounds with the State Pension counted properly. It prices the years between stopping work and State Pension age at your full spending, prices the years after that at your spending minus the State Pension, and discounts the whole target back to today at your real return. It ships with age 30, stopping at 60, £30,000 of annual spending, £80,000 invested, nothing going in monthly, the full new State Pension of £241.30 a week (£12,548 a year) from 67, and a 7% return against 3% inflation and 0% fees for a 4% real return at a 4% withdrawal rate. That is a £511,614 target at 60 and a £157,740 Coast FIRE number today. Source: GOV.UK, the new State Pension. Method: how our calculators work.
| With State Pension | Without | |
|---|---|---|
| Coast number today | £157,740 | £231,239 |
| Target at 60 | £511,614 | £750,000 |
Why a UK-specific Coast FIRE calculator?
Most Coast FIRE tools quietly assume an American retirement: no state provision, one big pot, healthcare cliff at 65. The UK picture is different in two ways that change your number a lot:
- The State Pension is real money. The full new State Pension is £241.30 a week (about £12,548 a year) from April 2026. If you spend £30,000 a year, the pension covers more than a third of it from your State Pension age onwards, your portfolio only has to fund the rest, plus the bridge years before it starts. Ignoring it means dramatically over-saving.
- Your money unlocks in stages. ISAs are accessible any time; personal and workplace pensions unlock at 55, rising to 57 from April 2028; the State Pension arrives at 66-68 depending on your birth year. A UK coast plan is really a bridge plan, see the full UK Coast FIRE guide.
How does the maths work?
Target at stop-work age = bridge years of full spending (discounted) + post-pension pot for (spending − State Pension) ÷ withdrawal rate
Coast number today = that target ÷ (1 + real return)years until you stop work
Everything is in today's pounds. The calculator prices the years between stopping work and your State Pension age at your full spending, then prices the years after at your spending minus the pension, and discounts the whole thing back to today at your real (after-inflation) return. Toggle the State Pension off to see how much heavy lifting it does.
Frequently asked questions
Which pots should I count as "currently invested"?
Everything earmarked for retirement: workplace and personal pensions (SIPPs), Stocks & Shares ISAs, and any general investment account you intend to spend in retirement. Leave out your emergency fund and home equity.
What if I'll retire before my pension unlocks at 57?
Then your ISA and taxable accounts have to carry you to 57, the "ISA bridge." The maths above still holds for the total, but check the split: a big pension and empty ISA can leave you asset-rich and bridge-poor. The UK guide walks through it.
Should I use 4% in the UK?
The 4% rule comes from US market history. Many UK planners prefer 3.5% for long retirements, drop the withdrawal-rate slider and watch the number move. The 4% rule calculator shows the sensitivity.
Does the calculator store my data?
No. It runs entirely in your browser; nothing you type leaves your device.
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Sources and further reading
Rules and figures on this page are drawn from the primary sources below, so you can verify them directly rather than take our word for it.