Long-term savings & investment planner
Non-pension accumulation and withdrawal projections. Session-only — your financial inputs are not stored or sent.
No monthly contribution is made before this month.
Used to show value in today's money.
Each scenario is illustrative. Negative growth is supported. Rates are annual; the model divides by 12.
| Scenario | Growth % | Charges % | Inflation % |
|---|---|---|---|
Low Conservative growth | |||
Central Mid-range | |||
High Optimistic growth |
None added. One-offs are added at the start of their month and grow that month.
Optional label only. This does not confirm that any account, contribution or investment is ISA-eligible, and does not establish remaining ISA allowance. Taxable gains are not modelled as tax-free.
- Future value
- Today's money
- Total contributions
| Year | Balance | Today's money | Contributions (yr) | Growth (yr) | Charges (yr) | Total charges |
|---|---|---|---|---|---|---|
| 1 | £3,065.73 | £2,976.44 | £3,000.00 | £82.25 | -£16.52 | -£16.52 |
| 2 | £6,256.23 | £5,897.10 | £3,000.00 | £238.38 | -£47.87 | -£64.39 |
| 3 | £9,576.58 | £8,763.93 | £3,000.00 | £400.85 | -£80.51 | -£144.90 |
| 4 | £13,032.07 | £11,578.82 | £3,000.00 | £569.95 | -£114.46 | -£259.36 |
| 5 | £16,628.18 | £14,343.62 | £3,000.00 | £745.92 | -£149.81 | -£409.17 |
| 6 | £20,370.65 | £17,060.10 | £3,000.00 | £929.06 | -£186.59 | -£595.75 |
| 7 | £24,265.44 | £19,730.02 | £3,000.00 | £1,119.65 | -£224.86 | -£820.62 |
| 8 | £28,318.73 | £22,355.07 | £3,000.00 | £1,317.99 | -£264.70 | -£1,085.31 |
| 9 | £32,536.99 | £24,936.89 | £3,000.00 | £1,524.41 | -£306.15 | -£1,391.46 |
| 10 | £36,926.92 | £27,477.10 | £3,000.00 | £1,739.23 | -£349.29 | -£1,740.76 |
| 11 | £41,495.51 | £29,977.24 | £3,000.00 | £1,962.79 | -£394.19 | -£2,134.95 |
| 12 | £46,250.04 | £32,438.85 | £3,000.00 | £2,195.45 | -£440.92 | -£2,575.87 |
| 13 | £51,198.07 | £34,863.40 | £3,000.00 | £2,437.58 | -£489.55 | -£3,065.42 |
| 14 | £56,347.48 | £37,252.32 | £3,000.00 | £2,689.56 | -£540.15 | -£3,605.57 |
| 15 | £61,706.46 | £39,607.03 | £3,000.00 | £2,951.80 | -£592.82 | -£4,198.39 |
| 16 | £67,283.54 | £41,928.88 | £3,000.00 | £3,224.71 | -£647.63 | -£4,846.02 |
| 17 | £73,087.60 | £44,219.20 | £3,000.00 | £3,508.73 | -£704.67 | -£5,550.69 |
| 18 | £79,127.88 | £46,479.29 | £3,000.00 | £3,804.31 | -£764.03 | -£6,314.72 |
| 19 | £85,413.98 | £48,710.40 | £3,000.00 | £4,111.91 | -£825.81 | -£7,140.53 |
| 20 | £91,955.92 | £50,913.76 | £3,000.00 | £4,432.04 | -£890.10 | -£8,030.63 |
Finds the monthly contribution needed to reach a target value by a target date, using the Central scenario. The starting balance and one-off contributions are included.
Starts from the Central projected future value. Growth then charges apply at the start of each month; the withdrawal is taken at the end of the month.
Each row runs the full projection with that variant's settings. Edit values to see the impact on the future value.
| Label | Monthly £ | Delay (mths) | Charges % | Future value | Today's money | Returns |
|---|---|---|---|---|---|---|
| £91,955.92 | £50,913.76 | £31,955.92 | ||||
| £137,933.88 | £76,370.64 | £47,933.88 | ||||
| £79,127.88 | £43,811.19 | £25,127.88 | ||||
| £86,909.58 | £48,119.73 | £26,909.58 |
Comparisons use the central scenario rates unless the charges column is overridden above.
- Growth is applied monthly as annual rate ÷ 12 — a smooth-growth approximation that does not model market volatility, downturns, or sequence-of-returns risk.
- Charges are applied monthly on the fund value as annual rate ÷ 12. Actual platform, fund and advice charges vary and may be deducted differently.
- Contributions are added at the start of each month and grow that month. The monthly contribution increases once a year by the annual increase %.
- Inflation reduces spending power: 'value in today's money' divides the nominal balance by (1 + inflation)^years.
- Negative growth assumptions are supported and will reduce the projected value.
- Projections are illustrative only and do not constitute investment advice. They do not recommend funds, providers, or asset allocations.
- An optional 'ISA illustration' label does not confirm that any account, contribution, or investment is ISA-eligible. This tool does not assess ISA allowance or tax status.
- Taxable investment gains are not modelled as tax-free. This tool does not deduct tax on investment growth.