Built for the UK FIRE community

The UK's financial independence planner
for retiring early.

Model the bridge to your pension, with projections built on your real portfolio. FI Pace is made for the UK FIRE community — not a generic retirement calculator with FIRE bolted on.

Start your 3-day free trialthen £49/year

Planning tool only. Not financial advice.

The problem

Every retirement calculator assumes you'll work until 67.

You're not planning to. But here's the catch the generic tools ignore: you can't touch your pension until 57. So if you retire at 50, you've got a gap — years where you need income but your pension is locked. Most planners don't model that gap at all. They show you a pot, an age, and a flat assumption pulled from nowhere. FI Pace is built around the problem early retirees actually have: getting from the day you stop working to the day your pension unlocks — and knowing your money lasts the whole way.

What makes it different

Built for the way early retirement actually works

The bridge gap, modelled properly.

Retire before the Normal Minimum Pension Age and FI Pace calculates exactly what you need to bridge the years until your pension unlocks — the per-year shortfall, the total, and whether your ISA, GIA and cash actually cover it. The one number a generic retirement tool won't give you.

FI Pace projected timeline showing retirement age, pension access age and the bridge period between them

FI Pace bridge phase drawdown chart showing accessible assets depleting between retirement and pension access

Returns from what you actually hold — not a number we made up.

Most tools ask you to guess a growth rate, or pick “optimistic / cautious” from thin air. FI Pace derives your expected return and volatility from your real portfolio composition, then runs it through Monte Carlo simulation. Show your working.

FI Pace portfolio screen showing FI net worth split between accessible assets and pension

FI Pace combined portfolio pension drawdown projection from pension access age onwards

Coast, Lean, Full — the milestones that actually matter.

FI Pace speaks FIRE. Track your Coast FI age (when you can stop contributing and still hit your target), Lean FI, and Full FI — not just one generic “retirement age.”

How it works

Your plan in minutes.

STEP 01

Add your pots

Pensions, ISAs, GIA, cash. Or your actual holdings, for the full modelling.

STEP 02

Set your targets

When you want out, what you want to spend.

STEP 03

See the whole picture

Projection, bridge analysis, scenario pass rate, year by year.

FI Pace cashflow screen showing income, monthly outgoings by category and FI contributions

Pricing

One plan. Everything included.

FI Pace Premium

£49/year

3-day free trial, then £49/year
Every feature included: bridge modelling, holdings-derived projections, Monte Carlo, Coast/Lean/Full FI, scenario comparison, year-by-year breakdown
Auto-renews at £49/year. Cancel anytime.

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FAQ

Questions, answered

Is this financial advice?

No. FI Pace is a planning and modelling tool. It shows you illustrative scenarios based on the information and assumptions you provide — it doesn't recommend products, investments, or what you should do. For advice, speak to an FCA-regulated adviser.

How are the projections calculated?

FI Pace derives your expected return and volatility from your portfolio's composition, then runs Monte Carlo simulation across many market paths. Your assumptions are always visible alongside the results, and outputs are illustrative scenarios, not forecasts.

Is my data secure?

Your data is encrypted in transit and stored using Supabase's SOC 2 compliant infrastructure. You can permanently delete your account and all your data from within the app at any time. FI Pace is a planning tool, not a bank or investment adviser.

Can I cancel the trial?

Yes — cancel anytime before the trial ends and you won't be charged.

Start your FI Pace

3-day free trial, then £49/year. Cancel anytime.