Free calculator

Investment growth visualiser

Contributions, growth, fees and inflation on sliders, with the fee gap and the today's-money figure most calculators politely omit.

Starting amount£5,000

Monthly contribution£300/mo

Years25

Drag this down by ten and watch what the last decade was worth. That is the whole argument for starting now.

Annual growth7%

Before fees and inflation. 5 to 8% is sober for global equities over decades.

All-in fees0.4%/yr

Platform plus fund. Under 0.5% is good; watch what the slider above 1% does to the gap.

Inflation2.5%

Pot (after fees)

£254,108

In today's money

£137,063

You contributed

£95,000

Fees quietly took

£17,541

After fees Before fees25 years

Three honest readings. The gap between the lines is your lifetime fee bill; it grows with the pot, which is why a small percentage is a large number. The today's-money figure is the one to plan with: inflation does not show on statements but it shops in the same aisles you do. And most of the final number arrives in the last third of the curve, which is why time in beats timing.

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Educational information, not financial advice. Figures current as of July 2026 where dated; allowances and rates change, so check the source before acting.