Investment Calculator
Our investment calculator projects how a lump sum or regular contributions grow at different annual growth rates. Historic FTSE All-Share returns average approximately 7-8%/year before inflation.
Investment Calculator
Project how your investments could grow over time — and see what your money could be worth in real terms.
Investments can go down as well as up. Past performance is not a guide to future results.
Enter a starting lump sum and monthly contribution, then set the expected annual return and time horizon. For long-term equity investments, 5-7% per annum after inflation is a frequently used planning assumption. Subtract any ongoing platform and fund charges — at 0.5% total annual charge, a 6% expected return becomes an effective 5.5%. Over decades this difference compounds into a significant sum. The calculator shows total invested versus total value at the end of the period, illustrating how much of the final figure is growth rather than contributions. Tax wrappers matter: inside a Stocks and Shares ISA, all growth is tax-free. Inside a SIPP, contributions receive tax relief but withdrawals are taxed as income in retirement. For general investment accounts, capital gains above the annual exempt amount are subject to CGT.