# UK FIRE Calculator — Early retirement & ISA planner

> Early retirement & ISA planner (iPhone/iPad app by Simon Gilbert.)

- Source: https://appshunter.io/ios/app/uk-fire-calculator/id6761665546 (this page in markdown: same URL + `.md`)
- Developer: [Simon Gilbert](https://appshunter.io/developer/660604220)
- Category: Finance, Education
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 36 MB
- Languages: American English
- Released: 2026-04-08
- Data updated: 2026-08-04
- User reviews in markdown: https://appshunter.io/ios/app/uk-fire-calculator/id6761665546/reviews.md

## What is UK FIRE Calculator?

UK FIRE Calculator helps you plan your path to Financial Independence, Retire Early (FIRE) with UK-specific accounts and tax rules — free, private, and no sign-up.

Everything runs on your device. No account, no data stored.

MODEL YOUR FULL PORTFOLIO
• Stocks & Shares ISA, Lifetime ISA (LISA), SIPP/Pension, and GIA
• Employer and employee pension contributions with salary sacrifice
• DC & final-salary (DB) Pensions
• State Pension income from your chosen age
• Couples modelling
• Rental income
• Monte Carlo Simulation

UK TAX-ACCURATE (2026/27)
• 2026/27 income tax rates and personal allowance
• National Insurance and Capital Gains Tax on GIA withdrawals
• LISA 25% government bonus included automatically

UNDERSTAND YOUR RETIREMENT
• FIRE number based on your spending and safe withdrawal rate
• Portfolio projection to age 100
• Tax-efficient withdrawal order in retirement
• Bridge period planning before pension access age (57 from 2028)

VISUALISE YOUR PROGRESS
• Portfolio growth chart by account type
• Retirement income breakdown by source
• Key milestones: FIRE age, £1M, State Pension, account depletion

LEARN AS YOU PLAN
• 50+ in-depth UK FIRE guides — the 4% rule, ISA vs SIPP, salary sacrifice, the State Pension, and "can I retire at 55/60?" scenarios

Free, private, no sign-up. Find your FIRE number today.

This calculator is for educational and planning purposes only and does not constitute financial advice. Always consult a qualified financial adviser before making significant financial decisions.


## Version history (last 5 releases)

### 1.15.0 — 2026-08-04

Fix bug where shared values from the website don't populate correctly in the app

### 1.14.0 — 2026-07-05

Bug fixes & performance improvements

### 1.13.0 — 2026-07-02

Bug fixes & performance improvements

### 1.12.0 — 2026-07-01

Bug fixes & performance improvements

### 1.11.0 — 2026-06-21

Added a new blog regarding Bed & ISA strategy, along with Monte Carlo simulation and historical backtesting.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-04.*