What are the stages?
Groceries free, utilities free, rent or mortgage free, all bills free, lean retirement, and fat retirement. Each marks the point your portfolio's safe withdrawal covers that category alone.
Foundations · 02
Independence - in stages
When does your portfolio start paying your bills? See it covered, line by line.
Currency
Your portfolio
Where you start, and what you keep adding.
Your monthly bills
What you spend each month. We sort them smallest first, that's the order they get covered.
Full independence
in 38 years
Safe passive income today
£100
Total monthly bills today
£2,275
Passive income against monthly bills
Safe passive incomeTotal monthly bills
Years from today · Monthly £
Timeline of cover
today
Your portfolio covers: Streaming & subscriptions.
Safe income at this point: £100 per month.
today
Your portfolio covers: Internet & mobile.
Safe income at this point: £100 per month.
today
Your portfolio covers: Vehicle maintenance.
Safe income at this point: £100 per month.
in 4 years
Your portfolio covers: Insurance & healthcare.
Safe income at this point: £191 per month.
in 8 years
Your portfolio covers: Education & classes.
Safe income at this point: £301 per month.
in 11 years
Your portfolio covers: Holidays (monthly average).
Safe income at this point: £398 per month.
in 15 years
Your portfolio covers: Utilities.
Safe income at this point: £553 per month.
in 18 years
Your portfolio covers: Council tax & service charge.
Safe income at this point: £691 per month.
in 21 years
Your portfolio covers: Fuel & transport.
Safe income at this point: £850 per month.
in 24 years
Your portfolio covers: Eating out & leisure.
Safe income at this point: £1,035 per month.
in 29 years
Your portfolio covers: Groceries & pharmacy.
Safe income at this point: £1,409 per month.
in 38 years
Your portfolio covers every line on your list, full independence.
Safe income at this point: £2,362 per month.
Real return is your portfolio's annual return after inflation. Safe withdrawal rate is the share you can draw each year without depleting the portfolio over a normal retirement. Illustrative figures only, for your situation, consult a qualified adviser.
Your stages, in one plan.
Worth turns these milestones into a personal roadmap, automated tracking, tax-aware ordering, and the next move as each stage unlocks. Join the waitlist.
Frequently asked questions
Why stages instead of one FIRE number?
Because financial independence isn't binary. Most people downshift gradually: hit "groceries free" and take more risks; hit "all bills free" and consider part-time work; hit "lean retirement" and consider full retirement.
What withdrawal rate is assumed?
4% by default, the standard safe withdrawal rate for a 30-year horizon. Override it: 3.5% if you want a longer horizon, 5% if you have other safety nets.