When can you stop?
Will the money last?
Every FIRE plan comes down to those two questions. giltedge answers them month by month, right out to the end of your plan, with UK tax and drawdown worked out for you.
Your FIRE spreadsheet has done its best. But every new tax year, pension rule and life change means another evening fixing formulas. giltedge does the modelling for you, so you can spend that time on the life you're saving for.
The questions every FIRE plan asks.
Answered in one place.
When can I stop work?
See the exact month your plan says you can stop, worked out from your own numbers.
Will the money last?
Follow your money month by month to the end of your plan, so you know it doesn't run dry at 82.
Will my ISAs bridge the gap?
See whether your ISAs and cash carry you from your last payday to the day your pension unlocks.
How much tax will I pay?
Every withdrawal is taxed under current UK rules, Scottish rates included.
What changes at State Pension age?
Watch the State Pension kick in on your timeline and see how much less you need to draw.
What if I retire abroad?
Moving to the US or Canada, or have ties there? giltedge handles US and Canadian tax too.
Can I afford the big stuff?
Add a house move, a property sale or a sabbatical as a future event and see the effect straight away.
What if it's not affordable yet?
giltedge tells you the earliest date it will be, so a "no" becomes a "not until June 2031".
Picture a Tuesday
that's all yours.
Your whole plan.
No formulas to break.
Set it up once in a few minutes. giltedge keeps it current from then on.
Add everything
Your salary, ISAs, SIPPs, property, cash and debts, all in one place.
giltedge does the maths
It projects how everything grows, how it's taxed under current UK rules, and how it's drawn down once you stop work.
See it to the end
Your whole plan, month by month, from today to the last year of your plan. Change anything and it updates straight away.
Month by month.
To the very end.
See your money build up while you work, then see how it's drawn down after you stop. That includes the bridge years before your pension unlocks and the point the State Pension starts.
Test the big stuff
before you commit.
Thinking about a big purchase, selling a property or retiring earlier? Add it as a future event and see the effect on your plan straight away.
If something won't be affordable, giltedge tells you the earliest date it will be.
Try it freeMeet George.
Your co-pilot.
George is the assistant built into every screen of giltedge. Ask him why your date moved, what a number means, or what to try next, and he answers in plain English.
- Explains any figure, chart or assumption
- Spots gaps in your plan before they cost you
- Only uses your figures when you say so
Built for the way
FIRE actually works.
Growth, withdrawals and income are taxed under current UK rules, with Scottish rates included. Ties to the US or Canada? Those are covered too.
The bridge, handled
See your ISAs and cash carry you from your last payday to the day your pension unlocks.
Month by month
Your plan runs monthly to the very end, so nothing hides inside an annual average.
Earliest affordable date
When something doesn't fit yet, you get the date it will.
Retire the spreadsheet
No tabs to maintain, no formulas to break, no updating it every April.
George, on every screen
Your co-pilot flags gaps in your plan and explains anything you're unsure about.
Plan as a couple
Add your partner's pensions and savings and get one plan you can both trust.
What's your
FI for?
Everyone's answer is different. giltedge tells you when you can start on yours.
Retire the spreadsheet.
Then retire.
A clear view of your financial future that you can trust, month by month, to the end of your plan.
giltedge and George provide projections based on the information you enter, current tax rules and the growth assumptions shown in the app. This is guidance, not regulated financial advice. Tax rules and pension access ages can change. Investments can go down as well as up, and your actual results may differ.