When can you stop?
Will the money last?
Every FIRE plan comes down to those two questions. giltedge helps you answer them, projecting your ISAs, SIPPs and cash month by month to the end of your plan, with UK tax and drawdown modelled for you.
14 days free, then £15 a month. Card needed, auto-renews until you cancel.
Your FIRE spreadsheet has done its best. So has that app built around 401(k)s. But every new tax year, pension rule and life change means another evening fixing formulas. giltedge is built for UK FIRE from the ground up, so you can spend that time on the life you're saving for.
Keep the plan.
Drop the maintenance.
Moving your numbers across takes minutes. After that, you stop maintaining the model and start using it.
Using a FIRE app built for 401(k)s and Roth IRAs? giltedge starts from ISAs, SIPPs, UK tax bands and the State Pension.
The UK questions
your plan has to answer.
Will the money last?
Follow your money month by month to the end of your plan, so you can see whether, and when, it would run short.
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?
Tax on every withdrawal is estimated using current UK rules, Scottish rates included.
What if the pension age moves?
The earliest age you can take a pension rises to 57 in 2028 and could move again. Change it and see how much longer your bridge needs to last.
Picture a Tuesday
that's all yours.
Ask the question.
See your date move.
Life won't follow your spreadsheet. Each giltedge card takes a real-life question and shows you how it changes your path to retirement, using your own numbers.
What If?What if life changes the plan?
A career break, a pay cut, a market slump, a baby. Try it out and see how far your retirement date moves, before you decide anything.
When Can I?When can I stop work?
Find the earliest month your plan works, or the year the house move, the campervan or the gap year fits without pushing your date back.
How Much?How much can I spend and still stop on time?
FIRE shouldn't mean saying no to everything. See how much more you could spend now, or each year once you stop, and still keep your date.
Illustrative example based on sample figures. Your results depend on your own numbers and assumptions.
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 doesn't fit yet, giltedge shows the earliest date it would, based on your numbers.
Start your free trial14 days free, then £15 a month. Card needed, auto-renews until you cancel.
Meet George.
Your co-pilot.
George is the assistant built into giltedge. He sits in the corner of every screen, so whenever something doesn't make sense, you just ask him. Why did my date move? What does this number mean? What could I try next? He answers in plain English, using your plan.
- Explains any figure, chart or assumption
- Flags gaps in your plan worth a closer look
- Only uses your figures when you say so
No black box.
Every assumption on show.
You know your numbers better than most. giltedge shows its working, so you can check it, change it and stress test it.
Tax on withdrawals and income is estimated using current UK tax bands, Scottish rates included, and kept up to date each new tax year.
Your rates, not ours
Growth and other rates start at defaults you can see. Swap in your own any time in Assumptions.
Month by month
Your plan runs monthly to the very end, so nothing hides inside an annual average.
Stress test it
Cut your growth rate, raise your spending, and see exactly what breaks and when.
Plan as a couple
Add your partner's pensions and savings and see one shared plan, together.
What's your
FI for?
Everyone's answer is different. giltedge tells you when you can start on yours.
£15 a month.
Flat. Not a percentage.
You've spent years cutting fees out of your plan. We didn't want to add one that grows with your pot.
- A flat fee£180 a year is 0.1% of a £180,000 pot, and it stays £15 a month as your pot grows.
- Everything in the trialEvery card, the full month-by-month projection and George, your built-in assistant, from day one.
- Try it properly first14 days free. You add a card to start, and nothing is charged until the 14 days are up. Cancel before then and you pay nothing.
- Then £15 a monthYour subscription renews automatically each month until you cancel.
Retire the spreadsheet.
Then retire.
A clear view of where your money is heading, month by month, to the end of your plan.
14 days free, then £15 a month. Card needed, auto-renews until you cancel.
giltedge is a financial planning and forecasting tool. giltedge and George do not provide regulated financial advice and do not recommend specific investments, pensions or other financial products. Projections are estimates, not guarantees, based on the information you enter, current tax rules and the growth assumptions shown in the app. Tax rules and pension access ages can change. Investments can go down as well as up, and your actual results may differ. People, figures and dates shown on this page are illustrative examples. Consider speaking to a regulated financial adviser before making investment or retirement decisions.
Giltedge LLP, registered in England and Wales (Partnership No. OC461578), 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ