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Meet your AI FIRE Coach

Reach Financial Independence Years Sooner

Our intelligent assistant plans, optimises, and automates your journey to financial independence, so you can retire decades early.

Start Your Journey

Join 1,500+ aspiring early retirees

Join 1,500+ FIRE members

How It Works

Getting Started with Your AI FIRE Coach

Three simple steps to supercharge your financial independence:

How It Works

Getting Started with Your AI FIRE Coach

Three simple steps to supercharge your financial independence:

How It Works

Getting Started with Your AI FIRE Coach

Three simple steps to supercharge your financial independence:

1. Have an onboarding chat with your AI assistant to map your FIRE goals

1. Have an onboarding chat with your AI assistant to map your FIRE goals

1. Have an onboarding chat with your AI assistant to map your FIRE goals

2. Get an instant FI Number, target date, and quick-win strategy you can apply today

2. Get an instant FI Number, target date, and quick-win strategy you can apply today

2. Get an instant FI Number, target date, and quick-win strategy you can apply today

3. Connect your bank & investment accounts for live tracking and AI insights

3. Connect your bank & investment accounts for live tracking and AI insights

3. Connect your bank & investment accounts for live tracking and AI insights

Our Benefits

Accelerate Your Path to Financial Freedom

Our intelligent assistant combines machine learning, financial modeling, and behavioral economics to optimize every aspect of your FIRE journey.

Our Benefits

Accelerate Your Path to Financial Freedom

Our intelligent assistant combines machine learning, financial modeling, and behavioral economics to optimize every aspect of your FIRE journey.

Our Benefits

Accelerate Your Path to Financial Freedom

Our intelligent assistant combines machine learning, financial modeling, and behavioral economics to optimize every aspect of your FIRE journey.

Stay Motivated With an AI FIRE Coach

Chat in plain English for clarifications, projections, and rebalance insights —your pocket money mentor, jargon-free.

Stay Motivated With an AI Coach

Chat in plain English for clarifications, projections insights —your pocket money mentor, jargon-free.

Stay Motivated With an AI FIRE Coach

Chat in plain English for clarifications, projections, and rebalance insights —your pocket money mentor, jargon-free.

Track Your "FI Number"

Know the exact net‑worth target that lets work become optional—and watch the gap close every day.

Track Your FI Number

Know the exact net-worth target that lets work become optional and watch the gap close every day.

Track Your "FI Number"

Know the exact net‑worth target that lets work become optional—and watch the gap close every day.

Automate Tax‑Optimised Investing

Funnel cash into ISAs, LISAs & pensions in the smartest order—so you keep more, and HMRC gets less.

Automate Tax‑Optimised Investing

Funnel cash into ISAs, LISAs & pensions in the smartest order—so you keep more, and HMRC gets less.

Automate Tax‑Optimised Investing

Funnel cash into ISAs, LISAs & pensions in the smartest order—so you keep more, and HMRC gets less.

Community Insights

Compare your journey with anonymized benchmarks from other FIRE users to find optimisation opportunities.

Community Insights

Compare your journey with anonymized benchmarks from other FIRE users to find optimisation opportunities.

Community Insights

Compare your journey with anonymized benchmarks from other FIRE users to find optimisation opportunities.

Capita AI: Advanced Money-Insight Engine

A conversational assistant that translates complex finance into daily, doable actions on your road to FI.

Conversational FI Insights

Ask anything (“How far am I from Coast FI?”) and get an instant, jargon-free explanation.

Conversational FI Insights

Ask anything (“How far am I from Coast FI?”) and get an instant, jargon-free explanation.

Conversational FI Insights

Ask anything (“How far am I from Coast FI?”) and get an instant, jargon-free explanation.

Plain-English Scenario Simulator

Type “What if markets drop 20%?” and see the impact on your FI date in one click.

Plain-English Scenario Simulator

Type “What if markets drop 20%?” and see the impact on your FI date in one click.

Plain-English Scenario Simulator

Type “What if markets drop 20%?” and see the impact on your FI date in one click.

Tax-Smart Action Plans

See ISA usage, pension room left, and gains still heading to HMRC.

Tax-Smart Action Plans

See ISA usage, pension room left, and gains still heading to HMRC.

Tax-Smart Action Plans

See ISA usage, pension room left, and gains still heading to HMRC.

Motivational Progress Nudges

Data-driven reminders and milestone celebrations that help you stay the course.

Motivational Progress Nudges

Data-driven reminders and milestone celebrations that help you stay the course.

Motivational Progress Nudges

Data-driven reminders and milestone celebrations that help you stay the course.

Insights only. Capita does not provide financial investment advice.

Our Testimonials

Real People, Real Results

See how our members are accelerating their path to financial independence with our AI-powered tools.

Our Testimonials

Real People, Real Results

See how our members are accelerating their path to financial independence with our AI-powered tools.

Our Testimonials

Real People, Real Results

See how our members are accelerating their path to financial independence with our AI-powered tools.

Sarah J.

Software Engineer, 32

"Capita showed I could salary‑sacrifice £900 a month and still afford the new kitchen – saving us £5,100 of tax."

James P.

Freelancer, 29

"We were about to lose free nursery for twins; Capita’s headroom alert saved £15k and serious stress."

Michael T.

Marketing Director, 38

“We kept our 30 h childcare and dodged the 60 % band when Amira got a raise.”

Elena M.

Doctor, 34

“I thought GP training pay rises were always good news—until Capita showed the 60 % sting. One click fixed it.”

View All Testimonials

Sarah J.

Software Engineer, 32

"Capita showed I could salary‑sacrifice £900 a month and still afford the new kitchen – saving us £5,100 of tax."

James P.

Freelancer, 29

"We were about to lose free nursery for twins; Capita’s headroom alert saved £15k and serious stress."

Michael T.

Marketing Director, 38

“We kept our 30 h childcare and dodged the 60 % band when Amira got a raise.”

Elena M.

Doctor, 34

“I thought GP training pay rises were always good news—until Capita showed the 60 % sting. One click fixed it.”

View All Testimonials

Emma R.
Financial Analyst, 30
“Capita turned my scattered spreadsheets into one live dashboard. Seeing my FI date move from 52 to 44 gave me a surge of motivation I didn’t know I needed.”
Aisha K.
Healthcare Professional, 35
The real-time insights during market volatility kept me from making emotional decisions that would have cost me years of progress.
Michael T.
Marketing Director, 38
"I was drowning in spreadsheets before Capita. Now I spend minutes instead of hours optimising my investments."
Sarah J.
Software Engineer, 32
"The AI advisor helped me discover tax optimization strategies I'd never considered. I'm now on track to retire at 42 instead of 48."

Lucy A.
Secondary-School Teachers, 34
Tracking a shared FI number with my partner keeps us rowing in the same direction. The AI coach even mediates the ‘new-kitchen vs. index fund’ debates.
James T.
Analyst, 38
Market drops used to send me into a panic. The Monte-Carlo graphs proved my plan survives brutal bear years, so I stayed invested—and slept.
Elena M.
Lawyer, 32
“Auto-routing my income into ISAs and a SIPP every payday is priceless. I haven’t missed a tax allowance since joining.”
James P.
Freelancer, 39
“The scenario simulator showed me I could shift to contracting two days a week without derailing my plan. I finally handed in that request.”