See what your money could become. Enter what you have and what you add, and watch compound interest do the work, in pounds, dollars or euros, adjusted for inflation.
Give each type of money its own growth rate. We add them up and adjust the total for inflation.
| Year | Start | Paid in | Growth | Balance |
|---|
Every month, your balance earns a slice of growth based on your return rate, and then any contribution is added. The next month, growth is calculated on the new, larger balance. That is compound interest: returns earning returns. Over decades it does most of the heavy lifting, which is why starting early matters more than starting big.
Use the tabs to solve for whatever you do not know. Pick "Contribution" and set a target, and we work out the monthly amount you need. Pick "Return rate" to see what growth would get you there. Switch to Multiple pots to give cash, ISAs and pensions their own rate, which is closer to how real portfolios behave.
No investment grows in a smooth line. A "7% a year" assumption is a long-run average that hides good years and frightening ones. Keep an emergency buffer in cash, invest for the long term, and revisit your plan rather than your balance. The today's-money figure reminds you that inflation quietly eats into big future numbers.
You earn returns on your past returns, not just your original money. Each period your balance grows, and the next period's growth is worked out on the bigger balance, so the effect speeds up the longer you leave it.
It depends where the money sits. People often model cash around 2 to 4 percent, and a diversified stock-market ISA or pension around 5 to 7 percent after costs. These are rough long-run guides, not guarantees. Use the multiple-pots mode to give each one its own rate.
Inflation erodes spending power. £500,000 in 30 years will not buy what £500,000 buys now. The today's-money figure discounts your projected balance by your chosen inflation rate so you can judge what it would really be worth.
No. It is for illustration and education only, it assumes a steady return that real markets never deliver, and it is not personal financial advice. If you are unsure, speak to a regulated financial adviser.
EveryPound plugs in your actual ISAs, pensions and savings, projects your net worth to retirement, and lets Addy tell you where the next £100 should go. Free, no bank login.