See how a lump sum and regular contributions could grow with compound returns. Good for ISAs, pensions or general investing.
Returns are assumed steady and compounded monthly — real markets rise and fall. Figures are before inflation, fees and tax. Investments can fall as well as rise.
Each year of growth earns growth of its own, so a pot snowballs over time. The calculator applies your expected return to your starting amount and your regular contributions to project the future value.
There is no guaranteed figure, but a long-term real return of around 4 to 6% a year is a common, cautious assumption for a diversified stock-market portfolio. Lower assumptions are safer for planning.
Inside an ISA, no: growth and withdrawals are tax-free, up to the £20,000 annual allowance. Held outside a tax wrapper, Capital Gains Tax and dividend tax can apply above their annual allowances.
These results are estimates for general information only and are not financial advice. Check every figure yourself and seek appropriate advice from a qualified professional before making any decision. Read the full disclaimer.