Turn annual spending into a target pot
Set the yearly spending you want and your safe withdrawal rate. The tracker calculates the number the portfolio needs to reach.
UK FIRE tracker
See the number, the date and the bridge between them.
Add your ISA, LISA, SIPP, workplace pension and other invested pots, set the life you want them to fund, then see your FIRE number, projected FI date and the years before pension access.
One-time purchase Works offline Built for UK FIRE planning No account
The actual FIRE dashboard, shown with example figures. Your plan starts blank.
The plan behind the date
Connect what you have now to the life it needs to fund
The tracker brings your spending target, withdrawal rate, contributions and access ages into the same projection.
See when the current plan reaches the number
Project contributions and real growth forward into a month, year and age, with every figure kept in today's money.
Keep accessible and locked money separate
Track ISA, LISA, SIPP, workplace pension, GIA, cash and other pots with values, contributions and access ages.
Check whether early retirement is accessible
Compare the money available before pension age with the amount needed to bridge the years until locked pots can be reached.
Follow the ladder from Coast to full FIRE
See Coast, Lean, Barista, FIRE and Fat FIRE targets, reached states and projected dates in one milestone ladder.
Reverse-solve the contribution a goal needs
Set a target FI age and see whether the current monthly contribution is on track or what the plan would require instead.
Every pot, one plan
See which money is available before pension age
Each pot carries its current value, monthly contribution and access point, so the dashboard can separate the money available now from what is locked.
- ISA, LISA, SIPP, workplace pension, GIA and cash pot types
- Current value and monthly contribution for every pot
- Accessible-now and locked-to-pension-age totals
- An optional access-age override for individual pots
- Notes and a dated total-invested history
The UK early-retirement gap
Check the bridge before pension access
Reaching the overall number is not enough if too much of it is locked away when you plan to stop working.
- Accessible ISA, GIA and cash pots separated from pension money
- LISA treated as locked until age 60 for retirement use
- Years between the projected FI date and pension access calculated
- Required bridge amount compared with accessible investments
- State Pension headroom shown separately from invested pots
- Plain-language covered, short or not-needed verdict
A date, with its uncertainty visible
See how firm the projected FI date is
A single steady growth rate gives one date. The tracker also runs 600 seeded variations around the same plan to show how often the number is reached by that date.
- Compare FIRE numbers at 3%, 3.5% and 4% withdrawal rates
- See the share of simulated futures that reach the number by the date
- Read a 10th, 50th and 90th-percentile FI-age range
- Review allocation by pot type and the full milestone ladder
- Keep the result framed as an estimate, not a forecast
Projection and reality
Log the actual climb as the years pass
Add a dated total-invested snapshot whenever you update the pots. The progress page keeps the real movement separate from the forward projection.
- Latest invested total and change since the first entry
- Dated history with notes for contributions or market changes
- A line chart of the recorded total over time
- Edit or remove any snapshot
- Download a yearly calendar reminder to review the plan
How it works
Download it once and open it in your browser
No installation, app store or account is required.
Buy and download
Etsy delivers the digital download after purchase, with the tracker, quick-start guide, licence and support details.
Add the invested pots
Enter each pot's value, monthly contribution and access age, then set the spending and growth assumptions for the plan.
Review and update
Check the dashboard and date range, log the invested total over time, print the one-page summary and keep a separate backup.
Private by design
Your FIRE plan stays on your device
The tracker runs locally in your browser. It has no account, cloud database, analytics, broker connection or Open Banking link, and it does not upload pot values, income or retirement assumptions.
It does not sync automatically between computers or fetch live investment prices. Export a backup from one device and import it on another when you want to move the plan.
Frequently asked
Before you buy
Which computers and browsers does it work on?
It works on Windows, Mac and Linux computers in a modern version of Chrome, Edge, Safari or Firefox.
Does it connect to my bank, pension provider or investment platform?
No. The tracker is deliberately offline. You enter and update the pot values and contributions you want to include.
Is the projected FIRE date guaranteed?
No. It is an estimate from the values and assumptions you enter. Investment returns vary, tax rules change and the tracker is not financial advice or a guarantee.
What does the date stress test cover?
It runs 600 seeded variations around your accumulation plan and reports how many reach the FIRE number by the projected date, plus an FI-age range. It stops at the FIRE date and does not model spending the pot down afterwards.
How does it treat a Lifetime ISA?
For retirement planning, a LISA is treated as locked until age 60. The tracker keeps it out of the accessible bridge amount and explains the early-withdrawal restriction.
Can I print the plan?
Yes. The summary brings the headline, key figures, invested pots and pension-bridge position into one printable page that you can also save as a PDF.
What is included in the download?
The single-file FIRE Tracker app, a quick-start guide, and licence and support details. Etsy delivers the download after purchase.
Put the FIRE number and the path to it in one place
Buy the UK FIRE Tracker on Etsy, download it once and keep using it without an account or subscription.
Buy on Etsy