Why GIA before ISA in retirement?
Tactical sequencing. GIA gains can use the £3,000 CGT allowance each year. Burning that allowance bandwidth first lets you keep ISA intact and compounding tax-free. Use GIA first, ISA later.
UK Tax Tools · 07
UK FIRE, by account, not by total.
ISA and GIA can be touched today. SIPP locks until 57. LISA until 60. Generic FIRE math hides this, UK FIRE makes the bridge explicit.
About you
Current account balances (£)
Annual contributions (£)
Retirement
Years to FIRE
12 years
FIRE age 47
FIRE target
£1,125,000
Bridge needed (to NMPA 57)
£315,000
Bridge coverage
216%
Decade-plus horizon. Tilt new contributions toward ISA + GIA if the SIPP is already healthy and you'd retire before 57. The bridge problem is the most-missed UK FIRE concern.
NMPA assumed at 57 from 2028. ISA capped at £20k / year; LISA at £4k with the 25% government bonus only on contributions made before age 50. Liquid bridge calculated as ISA + GIA at the chosen retire age vs annual spend × years until NMPA.
UK FIRE, with the bridge made explicit.
Worth tracks each UK wrapper separately so the gap between FIRE date and pension date is visible, not hidden in a single total. Join the waitlist.
Frequently asked questions
Should I move money from SIPP to ISA before retiring?
Generally no, you can't move it directly. You'd have to withdraw from SIPP (paying tax on 75% of it) then contribute fresh to ISA (using the £20k allowance). For most people this is a net loss. Exception: in low-income gap years, you can crystallise some SIPP at lower marginal rate.
What about LISA after 60?
LISA can be drawn at 60 for retirement, fully tax-free. Before 60, withdrawals (except for first home purchase under £450k) attract a 25% penalty. LISA is best treated as a between-NMPA and state-pension-age bucket if you're under 40 when you open it.