Invest In The Best®

Compound calculator. See what time can do.

Change the numbers and watch your money grow, in pounds and in today’s money. No sign-up, nothing saved.

£
£
yrs

Up to 70: from birth to retirement.

%

Before charges and inflation. Shares have historically returned more than cash, with more ups and downs. High returns rarely last for long periods.

%

Fund and platform fees, taken from your return each year.

%

Used to show the result in today’s money. The Bank of England targets 2%.

%

Set to match inflation, so your contributions keep their value. Change it to match pay rises.

After 25 years you could have

£257,570

That’s £138,931 in today’s money

Real return after charges and inflation: 3.4% a year

You paid in£112,473
Growth£145,097
Growth share56%
£0£100k£200k£300k£400k0510152025
Paid inGrowthIn today’s money
Wait ten years and start later? You’d have £107,457, which is £150,113 less. Every ten years of doing nothing is a costly decision.
YearPaid inValueIn today’s money
5£25,769£31,592£27,923
10£43,610£62,879£49,121
15£63,796£107,457£74,195
20£86,634£170,174£103,852
25£112,473£257,570£138,931

Illustration only. Returns are not guaranteed, investments can fall as well as rise, and real returns vary from year to year. Assumes a steady return, compounded monthly, with contributions at the end of each month and charges taken from the return. Tax is ignored. Education, not advice.

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