What's Left, step 5 of 7: How much should I put aside?
Investment and ISA calculator
See how regular investing could grow over time, after fees.
After 20 years you could have
£78,530.72
from £48,000 paid in, assuming 4.7% growth after fees. In today's money that is about £52,848.92.
Where it comes from
| Item | Total |
|---|---|
| Your payments | £48,000.00 |
| Investment growth | £30,530.72 |
| Final value | £78,530.72 |
Outside an ISA or pension, dividends, interest and gains above your allowances are taxed; this illustration assumes an ISA.
This is an illustration, not advice or a forecast. Investments can fall as well as rise and you may get back less than you put in.
Year by year
| Year | Paid in | Growth that year | Balance |
|---|---|---|---|
| Year 5 | £12,000.00 | £545.63 | £13,463.89 |
| Year 10 | £24,000.00 | £1,306.05 | £30,403.51 |
| Year 15 | £36,000.00 | £2,262.78 | £51,716.16 |
| Year 20 | £48,000.00 | £3,466.49 | £78,530.72 |
Showing every fifth year.
How investment growth is estimated
We assume your money grows by the same rate every year, minus fees. Real returns go up and down.
In a stocks and shares ISA, growth and income are free of tax.
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These results are an estimate, not financial advice. They use the 2026/27 rates in force on 24 October 2026 and the inputs shown, so your actual tax, pay or costs may differ. Before making a decision about your money, check the figures with HMRC or your provider, or speak to a regulated financial adviser. Free, impartial guidance is available from MoneyHelper.
This page explains the rules using the 2026/27 rates in force on 24 October 2026. It is general information, not financial advice. For decisions about your own money, speak to a regulated financial adviser, or get free, impartial guidance from MoneyHelper.