Basic Information

Current ISA Value

Monthly Contribution

Max £1667/month (£20,000/year)

Annual Contribution

£240

Current Age

Retirement Age

Contribution Years

Growth Assumptions

Rates are managed via the UK Rates Table · Current scenario active

Rates

Stock Growth

8.90%

Annual return

Rates

Management Fee

0.50%

Annual charge

Rates

UK Inflation

2.80%

CPI rate

Net Growth Rate

8.40%

8.9% growth − 0.5% fees

Real Growth Rate

5.60%

8.40% net − 2.8% inflation

One-off Transactions

No transactions added yet

Final ISA Value

£97,691

At age 67 · Real: £35,165

Total Growth

£86,811

797.9% total · 6.1% annualised

Contribution Summary

Total Regular Contributions£10,880

One-off Additions£0

One-off Reductions£0

ISA Allowance Used£8,880

Contribution Years37 yrs (age 30–67)

Year-by-Year ISA Growth

Growth: 8.9%·Fees: 0.5%·Net: 8.40%·Scenario: Current·Showing to: age 67

Year	Age	Start Value	Contributions	One-offs	Growth	End Value	ISA Allow.
Start	30	£2,000	—			£2,000	—
1	31	£2,000	£240	—	£188	£2,428	£240 £19,760 left
2	32	£2,428	£240	—	£224	£2,892	£240 £19,760 left
3	33	£2,892	£240	—	£263	£3,395	£240 £19,760 left
4	34	£3,395	£240	—	£305	£3,941	£240 £19,760 left
5	35	£3,941	£240	—	£351	£4,532	£240 £19,760 left
6	36	£4,532	£240	—	£401	£5,173	£240 £19,760 left
7	37	£5,173	£240	—	£455	£5,867	£240 £19,760 left
8	38	£5,867	£240	—	£513	£6,621	£240 £19,760 left
9	39	£6,621	£240	—	£576	£7,437	£240 £19,760 left
10	40	£7,437	£240	—	£645	£8,322	£240 £19,760 left
11	41	£8,322	£240	—	£719	£9,281	£240 £19,760 left
12	42	£9,281	£240	—	£800	£10,321	£240 £19,760 left
13	43	£10,321	£240	—	£887	£11,448	£240 £19,760 left
14	44	£11,448	£240	—	£982	£12,669	£240 £19,760 left
15	45	£12,669	£240	—	£1,084	£13,994	£240 £19,760 left
16	46	£13,994	£240	—	£1,196	£15,429	£240 £19,760 left
17	47	£15,429	£240	—	£1,316	£16,986	£240 £19,760 left
18	48	£16,986	£240	—	£1,447	£18,673	£240 £19,760 left
19	49	£18,673	£240	—	£1,589	£20,501	£240 £19,760 left
20	50	£20,501	£240	—	£1,742	£22,484	£240 £19,760 left
21	51	£22,484	£240	—	£1,909	£24,632	£240 £19,760 left
22	52	£24,632	£240	—	£2,089	£26,962	£240 £19,760 left
23	53	£26,962	£240	—	£2,285	£29,487	£240 £19,760 left
24	54	£29,487	£240	—	£2,497	£32,224	£240 £19,760 left
25	55	£32,224	£240	—	£2,727	£35,191	£240 £19,760 left
26	56	£35,191	£240	—	£2,976	£38,407	£240 £19,760 left
27	57	£38,407	£240	—	£3,246	£41,893	£240 £19,760 left
28	58	£41,893	£240	—	£3,539	£45,672	£240 £19,760 left
29	59	£45,672	£240	—	£3,857	£49,769	£240 £19,760 left
30	60	£49,769	£240	—	£4,201	£54,210	£240 £19,760 left
31	61	£54,210	£240	—	£4,574	£59,023	£240 £19,760 left
32	62	£59,023	£240	—	£4,978	£64,241	£240 £19,760 left
33	63	£64,241	£240	—	£5,416	£69,898	£240 £19,760 left
34	64	£69,898	£240	—	£5,892	£76,029	£240 £19,760 left
35	65	£76,029	£240	—	£6,407	£82,676	£240 £19,760 left
36	66	£82,676	£240	—	£6,965	£89,881	£240 £19,760 left
37	67	£89,881	£240	—	£7,570	£97,691	£240 £19,760 left

Table Notes

Contributions: monthly amount × 12 (capped at £20,000 annual ISA limit)
Growth: net of 0.5% management fees
End Value: nominal £ at year-end · inflation-adjusted values available for cross-sheet use
ISA Allow.: amount of the annual £20,000 limit used
Table range: age 30 to retirement at 67

Synopsis

This calculator projects a Stocks & Shares ISA — a tax-free wrapper for investing in the stock market, rather than holding cash — tracking your regular contributions against the £20,000 annual ISA allowance alongside any one-off additions or withdrawals. Growth is modelled net of platform management fees, with results shown in both nominal terms and adjusted for inflation so you can see the real return on your investments. If you've set up workplace pension reallocation or a Help to Buy repayment elsewhere in the tool, those contributions and withdrawals are automatically reflected in this projection too. For comparison, the Lifetime ISA offers a 25% government bonus for retirement or a first home, while a Cash ISA suits money you don't want exposed to market risk.

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