Basic Information
Annual: £0
Max: £1,667/month
Interest Rate
4.50%
Inflation Rate
2.80%
Real Rate
1.70%
Current Age
30
Contributing Until
67
Contribution Years
37
Final Cash ISA Value
£0
At age 67 · Real: £0
Total Interest Earned
£0
0.0% total · 0.00% annualised
Cash ISA Summary
Regular Contributions£0
One-off Additions+£0
One-off Reductions-£0
Interest Earned£0
Interest Rate
4.50%
Real Rate
1.70%
ISA Allow. Used
£0
One-Off Transactions
No transactions added yet
Year-by-Year Cash ISA Growth
Interest: 4.50%·Inflation: 2.80%·Real rate: 1.70%
| Year | Age | Contribution | One-offs | Interest | End (Nominal) | End (Real) |
|---|---|---|---|---|---|---|
| Start | 30 | — | £0 | £0 | ||
1 | 31 | — | — | £0 | £0 | £0 |
2 | 32 | — | — | £0 | £0 | £0 |
3 | 33 | — | — | £0 | £0 | £0 |
4 | 34 | — | — | £0 | £0 | £0 |
5 | 35 | — | — | £0 | £0 | £0 |
6 | 36 | — | — | £0 | £0 | £0 |
7 | 37 | — | — | £0 | £0 | £0 |
8 | 38 | — | — | £0 | £0 | £0 |
9 | 39 | — | — | £0 | £0 | £0 |
10 | 40 | — | — | £0 | £0 | £0 |
11 | 41 | — | — | £0 | £0 | £0 |
12 | 42 | — | — | £0 | £0 | £0 |
13 | 43 | — | — | £0 | £0 | £0 |
14 | 44 | — | — | £0 | £0 | £0 |
15 | 45 | — | — | £0 | £0 | £0 |
16 | 46 | — | — | £0 | £0 | £0 |
17 | 47 | — | — | £0 | £0 | £0 |
18 | 48 | — | — | £0 | £0 | £0 |
19 | 49 | — | — | £0 | £0 | £0 |
20 | 50 | — | — | £0 | £0 | £0 |
21 | 51 | — | — | £0 | £0 | £0 |
22 | 52 | — | — | £0 | £0 | £0 |
23 | 53 | — | — | £0 | £0 | £0 |
24 | 54 | — | — | £0 | £0 | £0 |
25 | 55 | — | — | £0 | £0 | £0 |
26 | 56 | — | — | £0 | £0 | £0 |
27 | 57 | — | — | £0 | £0 | £0 |
28 | 58 | — | — | £0 | £0 | £0 |
29 | 59 | — | — | £0 | £0 | £0 |
30 | 60 | — | — | £0 | £0 | £0 |
31 | 61 | — | — | £0 | £0 | £0 |
32 | 62 | — | — | £0 | £0 | £0 |
33 | 63 | — | — | £0 | £0 | £0 |
34 | 64 | — | — | £0 | £0 | £0 |
35 | 65 | — | — | £0 | £0 | £0 |
36 | 66 | — | — | £0 | £0 | £0 |
37 End | 67 | — | — | £0 | £0 | £0 |
38 | 68 | — | — | £0 | £0 | £0 |
39 | 69 | — | — | £0 | £0 | £0 |
40 | 70 | — | — | £0 | £0 | £0 |
41 | 71 | — | — | £0 | £0 | £0 |
42 | 72 | — | — | £0 | £0 | £0 |
43 | 73 | — | — | £0 | £0 | £0 |
44 | 74 | — | — | £0 | £0 | £0 |
45 | 75 | — | — | £0 | £0 | £0 |
46 | 76 | — | — | £0 | £0 | £0 |
47 | 77 | — | — | £0 | £0 | £0 |
48 | 78 | — | — | £0 | £0 | £0 |
49 | 79 | — | — | £0 | £0 | £0 |
50 | 80 | — | — | £0 | £0 | £0 |
51 | 81 | — | — | £0 | £0 | £0 |
52 | 82 | — | — | £0 | £0 | £0 |
53 | 83 | — | — | £0 | £0 | £0 |
54 | 84 | — | — | £0 | £0 | £0 |
55 | 85 | — | — | £0 | £0 | £0 |
56 | 86 | — | — | £0 | £0 | £0 |
57 | 87 | — | — | £0 | £0 | £0 |
58 | 88 | — | — | £0 | £0 | £0 |
59 | 89 | — | — | £0 | £0 | £0 |
60 | 90 | — | — | £0 | £0 | £0 |
Table Notes
- Contribution: monthly amount × 12 (capped at £20,000 annual ISA limit)
- Interest: applied at 4.50% on the full year-end balance
- End (Nominal): actual £ at year-end
- End (Real): inflation-adjusted in today's money
Synopsis
This calculator projects how a Cash ISA grows over time, combining your regular monthly contributions with any one-off additions or withdrawals, then applying interest year on year while tracking the £20,000 annual ISA allowance. Figures are shown both in nominal terms and adjusted for inflation, so you can see what your balance is actually worth in today's money as well as its face value. If you've set up workplace pension reallocation or a Help to Buy repayment elsewhere in the tool, those are automatically factored into the projection here too. For comparison, see how a taxable Cash Savings account or a Stocks & Shares ISA might perform instead.