User guide
Investment Calculator
Project future investment value from lump sums and monthly contributions.
What this tool does
Projects how an investment might grow using a starting amount, monthly contributions, expected return and time horizon.
Understanding your investment projection
Tap a number to explore each part of the screen.
Click a marker on the screenshot to learn what each part does.
Initial investment
The lump sum you start with today before any future contributions.
Include pensions or ISAs only if they match how you model this scenario.
Understanding inputs
| Initial investment | Lump sum at the start. |
|---|---|
| Monthly contributions | Regular additions. |
| Expected return | Annual growth assumption. |
| Time horizon | Years you stay invested. |
Understanding results
Future value is the projected total. Investment growth is future value minus what you contributed. Milestone years help you see progress over time.
Worked example
Initial: £10,000
Monthly: £500
Return: 6% per year
Horizon: 16 years
Future value: £583,242 (illustrative)
Frequently asked questions
Will I achieve this return?
No projection is guaranteed. Markets go up and down.
Can I use estimated values?
Yes — try conservative and optimistic scenarios.
Does this include tax?
Treat results as simplified unless you model tax separately.
What return should I assume?
Many beginners use a modest long-term figure; the Portfolio Return Calculator can help.
How often should I update?
Yearly or when your contribution plan changes.
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Try this tool on Android and build your financial picture step by step.
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