How This Tool Works
📋 Purpose
This tool helps you estimate how your investments could grow over time using compound interest calculations. Understand the impact of regular contributions, time horizon, and different risk levels on your future wealth.
⚙️ How It Works
- 1Choose between Projection Mode (forecast growth) or Goal Mode (calculate required contributions)
- 2Enter your initial lump sum and monthly contribution amounts
- 3Select your time horizon (1-40 years) and risk level (low/medium/high)
- 4Review three scenarios: conservative, medium, and optimistic growth projections
- 5Explore milestones, insights, and what-if scenarios to optimize your strategy
📈 Growth Scenarios
🎯 Milestones
💡 Key Insights
- •Your biggest lever is TIME: an extra 5 years could add £40,505
- •Increasing monthly contributions by £50 would add £27,240 after 20 years
- •Platform fees will cost you approximately £3,829 over the period
- •Inflation reduces your real purchasing power by 39.0%
📊 What If Scenarios
📅 Year-by-Year Projection
| Year | Contributed | Nominal | Real Value | Fees Paid |
|---|---|---|---|---|
| 0 | £1,000 | £1,000 | £1,000 | £0 |
| 1 | £3,400 | £3,500 | £3,415 | £18 |
| 2 | £5,800 | £6,128 | £5,833 | £48 |
| 3 | £8,200 | £8,891 | £8,256 | £93 |
| 4 | £10,600 | £11,794 | £10,685 | £152 |
| 5 | £13,000 | £14,847 | £13,122 | £227 |
| ... | ||||
| 17 | £41,800 | £66,245 | £43,536 | £2,649 |
| 18 | £44,200 | £72,081 | £46,216 | £3,011 |
| 19 | £46,600 | £78,216 | £48,926 | £3,404 |
| 20 | £49,000 | £84,664 | £51,668 | £3,829 |
⚠️ Educational illustration only, not financial advice
• Past performance does not guarantee future results
• Returns shown are estimates based on historical averages
• Consider seeking advice from a qualified financial advisor
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