UK investors
Financial independence planning for UK-based investors
Most FI planning tools are built for US investors. Yield Clarity works in GBP, understands ISA and SIPP wrappers, and handles multi-currency portfolios common among internationally mobile UK residents.
Built for UK investors
GBP as base currency
Your FI target, contributions, and withdrawal income are all modelled in GBP. No need to convert to USD and back.
ISA and SIPP tracking
Label holdings as ISA, SIPP, or general investment accounts. Assets in different wrapper types all contribute to your FI-eligible wealth.
Multi-currency for expats
If you've worked abroad and accumulated investments in USD, EUR, AED or other currencies, they appear alongside your GBP holdings — each in its native currency.
British English throughout
The interface uses £, British date formatting and terminology familiar to UK investors.
What Yield Clarity doesn't do
Transparency about limitations is as important as listing features. Here's what Yield Clarity does not currently model:
- UK income tax, Capital Gains Tax, or dividend tax calculations. The forecasting model works with pre-tax return assumptions.
- State Pension income. You can adjust your retirement income target to account for it, but the tool does not model State Pension entitlement.
- ISA or SIPP contribution limits. The tool does not enforce annual allowance limits or lifetime allowance calculations.
- Salary sacrifice, employer pension matching, or workplace pension modelling.
UK FI planning context
The FIRE (Financial Independence, Retire Early) community in the UK has grown significantly. Common UK strategies include maximising ISA contributions for tax-free growth, using SIPPs for retirement savings with tax relief, and maintaining a cash buffer for early retirement years before pension access age.
Yield Clarity helps with the core calculation: given your current FI-eligible wealth, contribution rate, and return assumptions, when might your portfolio sustain your chosen retirement income? The 4% rule, commonly referenced in FIRE planning, is one of several withdrawal strategies available in the tool.
Read the FI guideStart your UK FI plan
Add your ISAs, SIPPs and other investments to see your path to financial independence.
Get started free