Know exactly when
you can stop working.
Model your drawdown across ISAs, GIAs, SIPPs, State Pension and property with net tax precision, Coast FIRE targets, and Monte Carlo confidence.
Target retirement pot
£789,258
pot needed by age 55 to spend £24,000/yr in today's money.
Target retirement age
Age 55
SIPP unlock age
Age 57
Most calculators stop at a pot size. This one models the journey.
Static 4% calculators ignore taxes and access ages. Fireworks models exact drawdown mechanics so your plan actually holds.
- Yearly Tax Solver
Exact Net Take-Home
Solves year-by-year HMRC tax bands and CGT exemptions so you know your true spendable cashflow.
- Access Age Bridge
Penalty-Free Unlock
Funds early retirement via ISA and GIA until your SIPP unlocks penalty-free at statutory age 57.
- Sequence Risk
2,000 Market Runs
Stress-tests your portfolio against market crashes so one bad decade won't break your plan.
- Statutory Offsets
State Pension & Part-Time
Layers triple-lock State Pension income and part-time earnings to lower your required pot size.
Fireworks vs. Standard 4% Rule Calculators
Static calculators assume fixed withdrawal rates and ignore real tax brackets. Here is how Fireworks solves the actual mechanics.
| Feature | Fireworks | Basic 4% Calculators |
|---|---|---|
| Year-by-year progressive tax solver | ||
| SIPP age 57 unlock bridge | ||
| State Pension triple-lock offset | ||
| Downsizing & real estate sale proceeds | ||
| Monte Carlo sequence-of-returns testing | ||
| Free & Private Client-Side Engine |