How This Tool Works
📋 Purpose
Use this tool to plan how your investment might grow over time. It combines real UK inflation data, clear return assumptions, and compound-interest maths so you can compare outcomes in plain English.
⚙️ How It Works
- 1Choose Projection Mode to forecast growth, or Goal Mode to find the monthly amount needed for your target.
- 2Enter your starting amount, monthly contribution, time horizon, and risk level.
- 3The tool runs three estimated return scenarios and calculates future value using compound growth.
- 4It also shows inflation-adjusted real value so you can compare buying power, not just headline numbers.
- 5Review milestones and what-if comparisons, then adjust your plan as needed.
Ready to calculate
Update your inputs on the left, then click Calculate to view results.
• This planner uses real UK inflation data where available, plus clear assumptions and your own inputs, to give a practical estimate for planning (not personal financial advice).
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Simple Guide to Investment Planning
A plain-English guide to help you plan your investments step by step.
📅 Last updated: February 2026
Quick Tips
Jump-start your understanding with these essential tips
Step-by-Step Guide
Follow these steps to get the most from this tool
Projection mode shows what your current plan might grow to.
Goal mode shows what monthly amount you may need for a target.
If you are unsure, start with Projection mode first.
Advanced Topics
Deep dives for advanced users
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