Calculators

Play with the numbers before you commit.

Five illustrations of how money behaves over time. Move the sliders, watch the lines redraw, and bring your questions to a chartered planner.

Investment growth

How regular contributions and compounding could build over time, against what you put in.

Initial Investment£10,000

£0£100,000

Monthly£200

£0£2,000

Annual Return7%

1%12%

Years10 yrs

1 yrs40 yrs

Projected value after 10 years

£54,714

38% of it from growth

Total contributed

£34,000

Investment growth

£20,714

Effective multiple

1.6×

of what you put in

What you put inGrowth

Illustration only. Assumes 7% a year compounded monthly with £200 added each month, before charges, tax and inflation. Returns are not guaranteed and the value can fall as well as rise.

Projected investment value by year, split into contributions and growth
Year	What you put in	Growth	Total
0	£10,000	£0	£10,000
1	£12,400	£801	£13,201
2	£14,800	£1,834	£16,634
3	£17,200	£3,115	£20,315
4	£19,600	£4,662	£24,262
5	£22,000	£6,495	£28,495
6	£24,400	£8,633	£33,033
7	£26,800	£11,100	£37,900
8	£29,200	£13,918	£43,118
9	£31,600	£17,114	£48,714
10	£34,000	£20,714	£54,714

Important information

These calculators are for illustration only and should not be relied upon as financial advice. The projections are hypothetical and do not guarantee future results.

Capital at risk: the value of investments can go down as well as up. You may get back less than you invest. Past performance is not a reliable indicator of future results.

The assumed rates of return may not be achieved. Actual returns depend on market conditions, fund selection, fees and other factors. Impact figures are estimates from published research and vary by fund.

For advice tailored to your circumstances, speak with one of our chartered financial planners.

Ready for advice that is personal?

These calculators are a starting point. A recommendation is made for your goals, your risk and your values, in writing.