What could your investments grow to?

Start with what you have, add what you could put in each month, and explore what time could do.

Starting investment

Monthly contribution

Time invested

Assumed annual return

From your inputs above · Projection before tax

In 20 years, you could have £120,130

After 0.5% annual fees, before tax.

£120,130 in 20 years would buy about what £80,844 buys today, assuming prices rise 2% a year.

Starting investment: £10,000
Later contributions: £60,000
Investment gain / loss: £50,130

Starting money plus later contributions plus investment gain or loss equals the projected balance.

What could change the picture?

Move the dials to compare another future. Your headline stays tied to the inputs above.

Starting at 20 years£120,130

Exploring at 20 years£120,130

The same balance. Move a dial to explore.

Projected pounds · Before tax

Scale adjusts automatically

Exploring £250 a month, 5% annual return and 0.5% annual fees. The dotted area shows a higher or lower balance than your starting projection, including any change in money paid in. These are assumptions, not predictions.

Monthly contribution£250

Starting at £250

Annual return5%

Starting at 5%

Annual fees0.5%

Starting at 0.5%

Compare the breakdown

Balances at 20 years, after fees and before tax.
£, rounded	Starting	Exploring
Starting investment	10,000	10,000
Later contributions	60,000	60,000
Investment gain / loss	50,130	50,130
Projected balance	120,130	120,130

See the annual figures

The scenario you are exploring, after fees and before tax, rounded to £.
Year	Starting money	Later payments	Gain / loss	Balance
0	10,000	0	0	10,000
1	10,000	3,000	520	13,520
2	10,000	6,000	1,197	17,197
3	10,000	9,000	2,039	21,039
4	10,000	12,000	3,052	25,052
5	10,000	15,000	4,246	29,246
6	10,000	18,000	5,627	33,627
7	10,000	21,000	7,204	38,204
8	10,000	24,000	8,986	42,986
9	10,000	27,000	10,982	47,982
10	10,000	30,000	13,201	53,201
11	10,000	33,000	15,654	58,654
12	10,000	36,000	18,351	64,351
13	10,000	39,000	21,303	70,303
14	10,000	42,000	24,521	76,521
15	10,000	45,000	28,018	83,018
16	10,000	48,000	31,805	89,805
17	10,000	51,000	35,896	96,896
18	10,000	54,000	40,304	104,304
19	10,000	57,000	45,044	112,044
20	10,000	60,000	50,130	120,130

Could this help you retire?

Explore how your pensions, savings and retirement budget fit together.

Explore your retirement

Use your current pension and savings balances in the retirement planner. This projected balance is a future illustration.

Where you hold your investments matters

What you keep, and when you can use it, also depends on the account you choose.

Stocks and shares ISA: For money you may want before retirement. Your investments can grow free of UK income and capital gains tax, and you can take money out without paying tax.
Pension: For your life after work. Tax relief can help your contributions go further. There are rules on when you can take the money out, and some withdrawals may be taxed.
Other investments: You can invest outside an ISA or pension too. Tax on investment income and on profits when you sell may leave you with less to spend or reinvest, depending on your allowances.

The chart shows growth before tax. It does not add pension tax relief or check account allowances. The right mix depends on your plans and when you need the money.

Allowances and tax rules

For 2026/27, you can pay up to £20,000 across your adult ISAs in total. This limits new payments, not how much your ISA can grow to. How the ISA allowance works.

With a stocks and shares ISA, access depends on selling your investments and your provider’s terms. Taking money out of an ISA.

Pension tax relief has limits and depends on your circumstances. You normally need to reach your pension’s minimum access age before taking money out. Pension tax relief and tax on withdrawals.

Outside these accounts, separate rules apply to dividend income and profits when you sell investments. See the Capital Gains Tax rates and annual allowance. Tax rules can change.

How this projection works

Payments arrive at the start of each month. The annual return is effective: we use its monthly equivalent, so it compounds back to the annual assumption. All investment income is reinvested.

We multiply the annual growth factor by one minus the annual fee rate, then take its monthly equivalent. For example, a 5% return and 1% fees give 3.95% a year after fees. Fees are a proportional reduction in growth, not a separate estimate of cash charges paid. Each monthly balance is rounded to a penny.

Monthly contributions stay fixed in cash. The headline, chart and tables show the actual number of pounds projected. The buying-power explanation divides the headline balance by the assumed rise in prices over the investment period. It helps you compare what that money could buy with prices today, without changing the projected pound balance.