01
Most popular
Your future, in clearer numbers
Make your money
make sense.
Free, thoughtful calculators for the decisions that shape your financial future. No sign-up. No jargon. Just useful answers.
✓ Free to use✓ Private by default✓ Clear assumptions
Monthly investingExample
£500 a month for 25 years
£405,036
at an illustrative 7% annual return
Now25 years
You put in£150,000
Growth+£255,036
Compoundingdid 63% of the work
What would you like to work out?
The toolkit
A calculator for every
money question.
Explore the numbers, compare paths and understand the trade-offs—without a spreadsheet in sight.
26 calculators shown
02
Compound Interest
See how time and regular contributions turn into long-term growth.Explore calculator →03
Dollar Cost Averaging
Project the outcome of investing a fixed amount consistently.Explore calculator →04
Lump Sum vs Monthly
Compare investing now with gradually investing over time.Explore calculator →05
Savings Goal
Find the monthly amount needed to reach a specific target.Explore calculator →06
Time to £1 Million
Estimate how long it could take to reach seven figures.Explore calculator →07
Investment Fee Impact
Reveal the pounds-and-pence cost of annual investment fees.Explore calculator →08
CAGR
Calculate the smoothed annual growth rate between two values.Explore calculator →09
Inflation
Understand how rising prices affect future purchasing power.Explore calculator →10
Retirement Planner
Project your future pot and the income it might support.Explore calculator →11
Future Value
Calculate what money today and regular payments could become over time.Explore calculator →12
Present Value
Work out what a future amount is worth in today’s money.Explore calculator →13
Real Return
Measure investment growth after removing the effect of inflation.Explore calculator →14
Rule of 72
Estimate how long money could take to double at a fixed return.Explore calculator →15
ROI
Calculate net profit and return on investment after costs.Explore calculator →16
Annualised Return
Convert a total return over years and months into an annual rate.Explore calculator →17
Mortgage vs Investing
Compare overpaying a mortgage with investing the same monthly cash.Explore calculator →18
Pay Off Debt vs Invest
Compare a predictable debt saving with an assumed investment return.Explore calculator →19
Pension Tax Relief
Estimate relief at source and possible additional UK pension relief.Explore calculator →20
Dividend Income
Estimate annual and monthly income from a portfolio and yield.Explore calculator →21
Dividend Reinvestment
Project growth when dividends are reinvested rather than withdrawn.Explore calculator →22
Retirement Withdrawal
Estimate how long a pot could support inflation-linked withdrawals.Explore calculator →23
Coast FIRE
See whether current investments could coast to a retirement target.Explore calculator →24
FIRE Number
Estimate the portfolio needed to support annual spending.Explore calculator →25
Mortgage Overpayment
Estimate the interest and time saved by regular overpayments.Explore calculator →26
Loan Overpayment
Calculate repayments and the effect of paying extra each month.Explore calculator →Try it now
Investment Growth Calculator
See how an investment could grow after contributions, fees and inflation.
Projected value
£0
View year-by-year breakdown ＋
| Year | Contributions | Growth | Balance |
|---|