Know what you're worth, and when you can stop.
The UK net-worth and FIRE tracker. Stile brings your ISAs, pensions, property, savings and debts into one clear picture, then shows how close you are to financial independence. And if you have an NHS, teachers' or other public-sector pension, Stile counts it properly, which most trackers don't.
Your money is everywhere. Your path shouldn't be.
Scattered across apps
An ISA here, a workplace pension there, a mortgage somewhere else. Nobody shows you the whole picture, or whether it's actually heading anywhere.
Spreadsheets break
Powerful, but fragile and joyless. One wrong formula and the forecast is off, and before long you stop updating it.
Built for somewhere else
Most FIRE tools are American. They don't know ISAs from 401(k)s, and they have no idea what to do with a final salary pension.
All your money, one clear picture.
reach your target
Odds, not a single guess
Thousands of possible markets, good and bad, show how likely your plan is to hold up.
Budget and savings rate
Where the money goes each month, and how much of it you keep.
- ISAs31%
- SIPP24%
- Workplace12%
- Property27%
- Cash6%
Net worth, broken down
ISAs, pensions, property, savings and debts, as one figure you can watch move.
FIRE and Coast FIRE
Every milestone on the way: the age you could stop saving, and the age you could stop working.
Goals
Each goal gets its own monthly figure to hit.
Private by default
You type your figures in. No bank login, no data sold, encrypted sync between your phone and laptop.
Got a public-sector pension? We actually understand it.
Around six million people work in the UK public sector, and most are building a defined benefit pension through the NHS, teaching, the civil service, local government, the police, fire service or armed forces. Generic trackers get these badly wrong. Pick your scheme and section, add the figures from your benefit statement, and Stile applies the real rules.
Pension ages, per section
60, 65 or State Pension age, depending on when you joined. Each slice of service starts paying at its own age.
Early retirement reductions
Take it before your normal pension age and it's permanently reduced. Stile shows the cost of every year early.
Lump sums, both kinds
Automatic lump sums in older sections, and the optional trade in newer ones: typically £12 of cash for each £1 of pension given up.
Growth until you stop
Your accrued pension revalued each year at your scheme's rate, plus what you'll still build if you keep working.
The bridge years
Stop at 55 with a pension at 67 and something has to pay for the gap. Stile sizes it from your ISA and SIPP.
SIPPs treated as SIPPs
A pot you can draw from 57 (from April 2028) with no reduction, 25% tax-free up to the allowance, and run down as you spend it. Different maths, side by side.
Retiring early from the NHS
The pot you actually need
Illustrative figures only. Early retirement factors are approximate and vary by scheme, section and date; Stile uses each scheme's published factors. Pot sizes assume a 4% withdrawal rate; the bridge is shown without investment growth and the State Pension is left out for simplicity. Not financial advice.
Less than a coffee a month.
Free to start. Go Pro for the full picture, and as a founding member your price is locked in for life.
Free
Everything you need to see where you stand.
- Net worth tracking
- One pension, of any type
- A basic retirement projection
Pro
The full picture, and the answer to "when can I stop?"
- Unlimited accounts and pensions
- Public-sector pension modelling: early retirement, lump sums, bridge years
- FIRE, Coast FIRE and Monte Carlo odds
- Live fund prices and full history
- Sync across all your devices
Founder pricing applies to waitlist members who join Pro in the first launch window.
Take the first step.
On a British footpath, a stile is how you get over the wall and into the next field. Stile does the same for your money: shows where you stand, and the next step to take. Founding members get in first; leave your email and we'll send one message when your place is ready.
Good to know.
Do I need a public-sector pension to use Stile?
Not at all. Stile is for anyone in the UK who wants to track their net worth and plan for financial independence: ISAs, SIPPs, workplace pensions, property, savings and debts. Public-sector pension support is there if you need it.
Which pensions does it handle?
Workplace pensions, SIPPs and the State Pension, plus the NHS, Teachers', Civil Service, Local Government, Police, Firefighters' and Armed Forces schemes in England and Wales, including their legacy sections. Scottish and Northern Ireland versions are on the roadmap.
I have service in an old section and the new one. Does that work?
Yes. Many members have both, especially after the McCloud remedy. Add each part separately and Stile applies the right pension age, lump sum rules and early retirement factors to each one.
Where do I get my figures?
From your annual benefit statement, which most schemes publish online through their member portal. You'll need your accrued annual pension and, for older sections, any automatic lump sum.
Is my financial data safe?
You enter your own figures, so we never ask for bank logins. Your data is encrypted, private to your account, and never sold or shared.
Is this financial advice?
No. Stile is a tracking and projection tool, and its figures are illustrative. It doesn't make personal recommendations. For regulated advice, speak to an FCA-authorised adviser.
Why "Stile"?
A stile is the step built into a wall or fence on a British footpath, so walkers can cross into the next field. Building wealth works the same way: not one giant leap, but a series of deliberate steps. Stile shows you where you are and which one comes next. Wealth tracking, one step at a time.
What will it cost?
There's a free plan. Pro is £4 a month or £39 a year, and founding members keep that price for life.