Investments Calculator

  • Create a comprehensive investment plan online! Find out how long it will take to build up your target fund amount or find the amount of money you need to invest regularly to reach a target fund value.
  • Use this Investments Calculator to get a thorough investment plan created which takes into account inflation, plan costs, differing interest periods, and tax on gains.
  • Select the mode, enter some information below then hit calculate and see a full breakdown, estimated statement and chart!
Select Calculation Mode

How Much Do I Need To Invest Every Month?

How Long Do I Need To Invest?

Target Fund Value
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Options
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Your Investment Plan

I Invest...+

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Costs/Outgoings

I am charged...+

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How To Use Our Investment Calculator

Our investment calculator can give you a thorough estimate of how an investment fund is likely to grow.

It has two modes:

  • How Much Do I Need To Invest Every Month?
    You need to enter a target investment fund value and then the length of time within which you wish to accrue it. The calculator will provide you with the amount you need to invest regularly.
  • How Long Do I Need To Invest?
    You need to provide the calculator with the investments you will make into the fund. The calculator will estimate how long you would need to keep making investments to achive the target fund value.

Setting Up Your Investment Contributions

If you know how much you are contributing to your investment fund, select the how long mode. Otherwise, just enter the time within which you want to accrue your target fund value.

In the 'How Long' mode, you enter each regular investment individually, so for example, you may make a regular £250 a month contribution to your investment fund.

To enter this, you would give the investment a name (name...), the amount (250), every '1' month(s). If you want to increase the £250 by inflation every year, tick the box next to the chart icon.

Setting Up You Investment Plan Costs Or Known Outgoings

If you have any other costs/charges/outgoings associated with your investments plan, you can enter them in the costs/outgoings section.

For example, if you have a cost of £150 every 6 months, you would enter a name (name...), the amount (150), select '£', every '6' months. Again you can opt to increase this cost by inflation every year by ticking the box.

Another example, if you have an annual management charge of 2% of the balance of your investment fund value, you would enter a name (name...), the amount (2), select '%', every '1' year.

Calculating an ISA Mortgage?

If your investment plan is being built up in order to repay an interest only mortgage, you can tick the box stating this plan is for repaying a mortgage.

Your target fund value will then be assumed as the repayment amount of the mortgage.

Along with the normal summary provided by the calculator, you will receive a breakdown comparison between your investment plan and a capital repayment mortgage over the same time frame.

Investments and Taxes?

You can opt to deduct taxes when calculating your investment fund.

If you are contributing to a tax free ISA, tick the box (remember ISA's have annual contribution allowances to which this calculator does not keep!

Select your tax bracket - whether your are a basic, higher or top rate taxpayer. These are currently set to deduct 18%, 28%, 28% in capital gains tax from the interest calculated within your investment plan.

Important Note! - This calculator does not take into account any tax free allowances or annual exempt amounts before calculating taxes.

As it is an investments plan you may tick the annual tax box in order to deduct tax annually.

Investment Options - Learn more about fine tuning your plan:

  • Starting Lump Sum / Investment - If you already have an amount that you wish to start your fund off with, enter it in the starting lump sum box
  • Initial Charges - Your investment plan may incur a charge upon opening, or making the first deposit. This may be an amount (£) or a percentage of the starting deposit (%)
  • Initial Charges Per Deposit - In addition to the starting initial charges above, your investment plan may include a charge made everytime a deposit is made, again this could be an amount or percentage
  • Inflation Adjust Charges - You can adjust any of these charges by inflation each year by ticking the box.
  • Investment growth percentage, Interest Rate - Enter the percentage by which your investment plan will grow, you can change the interest/growth calculation period - select from Monthly, Yearly, Daily
  • Annual Inflation Rate - Set the forecasted inflation rate, this will be used any where you select to inflation adjust charges or contributions.

How Accurate Is This Calculator?

When attempting to estimate a regular monthly payment, the calculator will try and get to within 0.5% of the target amount you enter. The reason for this is, although it is simple to work out a payment for particular amount with an interest rate, it can be trickier when factoring in taxes, inflation, irregular costs etc.

This brings me on to the next point...

Disclaimer!

Please do NOT use any information here as financial advice upon which to make important decisions. We thoroughly advise you use this investment plan calculator only as a rough estimate to give you an insight into what you need to discuss with a qualified financial adviser.

Remember, inflation rates are always changing, investment growth/interest rates can go up...as well as down, things can happen that you cannot foresee today.

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£75,000 repayment mortgage on a property valued at £100,000 (min 75% LTV). Mortgage Term 25 Years. Costs compared over 3 years.

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£5,000 loan. Loan Term 3 years. Compared Over The Term of the Loan.

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£250 purchase balance and £500 balance transfer. Repaid over 2 years at the higher of 3% minimum payment/£5. Comparing the total cost of credit.

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£1,000 saved over 3 years. Does not take into charges. For non-ISA accounts, 20% tax at source is assumed. You can get a full breakdown when you compare.

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£1,000 invested over 3 years. Does not take into account taxation or charges, you can get a full breakdown when you compare.

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£150 invested every month for 3 years. Does not take into account taxation, inflation or charges, you can get a full breakdown click get more info.

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Search from a small selection of pension plans. For more Consult a Qualified Financial Advisor

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Mortgage Assumptions

  • Fees

    All fees charged will be paid upfront rather than added to the cost of the mortgage.

  • Costs

    Total costs consist of the full monthly payment amount over the comparison period, plus the upfront fees.

  • Offer Period

    When a initial interest rate offer ends, the monthly payment will be recalculated at the standard rate based upon the remaining balance at the time.

  • Tracker and Discount Rates

    With tracker and discount mortgages, please note that the costs will assume the base rate or lenders variable rate stay the same as now for the duration of the comparison.

Loan Assumptions

  • Fees

    No fees have been taken into account.

  • Costs

    Total costs consist of the total INTEREST charged over the term of the loan.

Credit Card Assumptions

  • Fees

    Balance Transfer fees will be added to the balance transfer balance on the card.

  • Minimum Payments

    Payments will be assumed to be made at either 3% of the total outstanding balance or £5, whichever is the higher.

  • Payment Priority

    Balances will be paid off in the following order: 1. Purchases, 2. Balance Transfers.

  • Rate Offers

    When the offer period on a promotional/initial rate expires, interest will be charged at the normal rate.

  • Total Costs

    These take into account the amount of INTEREST charged during the comparison period.

Savings Assumptions

  • Charges

    No charges are taken into consideration when calculating costs.

  • Taxes

    For ISA's, no tax will be deducted from earned interest. For other account types, 20% tax will be deducted at the point the interest in paid.

  • Bonus Rates

    When bonus rates expire, the interest rate will revert to the normal rate advertised. In the case of fixed rate bonds, once the bond period ends, no interest will be paid.

  • Interest Period

    Monthly interest in calculated and paid monthly. Annual interest will be calculated monthly, but paid on the anniversary of the starting date. Interest will be paid pro-rata if the comparison period ends before an anniversary.

  • Total Costs

    These take into account the total value accrued in your savings at the end of savings term. It does not take into account inflation.

Investments Assumptions

The Investments category displays Stocks and Share ISA deals only.

  • Charges

    No initial, annual or per deposit charges are taken into consideration when calculating costs.

  • Taxes

    For ISA's, no tax will be deducted from the annualised growth.

  • Rates

    Using past performance figures, we have created a compounded annual growth rate to provide a annual percentage figure to calculate growth against. This is from past performance and is NOT an indication of the future performance of the fund.

  • Interest Period

    Annual growth will be calculated monthly, but added on the anniversary of the starting date. Growth will be added pro-rata if the comparison period ends before an anniversary.

  • Total Fund Value

    This takes into account the total value of your fund at the end of invested period. It does not take into account inflation.

Pensions Assumptions

The Pensions Category displays a small selection of pensions only.

  • Charges

    No initial, annual or per deposit charges are taken into consideration when calculating costs.

  • Taxes

    No tax will be deducted from the annualised growth.

  • Rates

    Using past performance figures, we have created a compounded annual growth rate to provide a annual percentage figure to calculate growth against. This is from past performance and is NOT an indication of the future performance of the Pension.

  • Interest Period

    Annual growth will be calculated monthly, but added on the anniversary of the starting date. Growth will be added pro-rata if the comparison period ends before an anniversary.

  • Pension Value

    This takes into account the total value of your pension at the end of invested period. It does not take into account inflation.

  • Fixed Rates

    The interest rate charged is fixed for a number of years or until a certain date by the lender.

  • Base Rate Tracker

    The interest rate is set and then tracks the rises and falls of the Bank of England's base interest rate which is decided monthly.

  • Discount

    The interest rate is the lenders standard variable rate, which they decide. The discount period gives you a certain amount off that rate. The rate can be changed at anytime by the lender.

  • Variable

    The interest rate is the lenders standard variable rate, which they decide and can change anytime.

Click the arrows to arrange the product details by the name of the lender, or if you have selected all rates, the type of rate selected.

Click the arrows to arrange the products by the maximum LTV (Loan to Value) allowed by the lenders.

Click the arrows to arrange the products by the initial monthly payment you will be charged for mortgage amount you entered.

Click the arrows to arrange the products by the calculated APR (Annual Percentage Rate). This rate takes into account fees and charges as well as interest.

Click the arrows to arrange the products by the calculated total cost of the mortgage (Amount Paid) over the period selected.

What is the value of the property for which a mortgage is required?

How much do you need to borrow?

  • Capital + Interest

    Payments made to the lender will repay the amount borrowed as well as cover interest.

  • Interest Only

    Payments made to the lender will only cover interest. You will need to put money aside elsewhere in order to be able to repay the actual amount borrowed.

What is the minimum period for which you want the interest rate offer?

For example, for a minimum 3 year interest rate offer, select 3 years.

Tick to remove mortgages that have Early Repayment Charges.

Early Repayment Charges are applied by the lender if you repay the mortgage, or remortgage to a different lender within a certain period of time or date set by the lender. Typically a percentage of the outstanding balance at the point of repayment.

Tick to remove mortgages that have any fees.

Lenders may apply fees such as arrangement, booking or valuation fees when you take out the mortgage.

Tick to only show Buy To Let mortgages. If you are purchasing/remortgaging a property which is to be rented to tenants, this is the type of mortgage you will need.

Tick to only show Offset mortgages. Offset mortgages allow you to use you savings or regular income to reduce the amount of interest you are charged on your mortgage.

How many years do you wish to spread your mortgage over?

  • Good Credit

    If you have zero missed payments in the last 2 years, no CCJ's or defaults these deals may be available to you.

  • Fair Credit

    If you have missed a few payments as recently as the last 6 months, these deals may be available to you.

  • Bad Credit

    If you have missed payments in the past, had CCJ's or defaults, lenders in this category may have deals for you.

Click the arrows to arrange the product details by the name of the lender.

Click the arrows to arrange the product details by the headline rate (APR) of the loan.

Click the arrows to arrange the product details by the total cost of the loan (Interest Charged) over the time period selected.

Over how many years do you wish to spread this loan?

Tick to show only loans that include some form of payment break

Tick to show only loans that are available to homeowners.

Tick to show only loans that are available only to existing customers of the lender.

  • Good Credit

    If you have zero missed payments in the last 2 years, no CCJ's or defaults these deals may be available to you.

  • Fair Credit

    If you have missed a few payments as recently as the last 6 months, these deals may be available to you.

  • Bad Credit

    If you have missed payments in the past, had CCJ's or defaults, lenders in this category may have deals for you.

Click the arrows to arrange the product details by the name of the lender.

Click the arrows to arrange the product details by the purchase rate (APR) of the credit card.

Click the arrows to arrange the product details by the balance transfer rate (APR) of the credit card.

Click the arrows to arrange the product details by the headline rate (APR) of the credit card.

Click the arrows to arrange the product details by the total cost (Interest Charged) of repaying your chosen balance over 24 months.

Show only credit cards that allow balance transfers.

Show only credit cards that provide some form of cashback.

Show only credit cards that have a reward scheme.

  • Easy Access

    Regular savings accounts which may have short or notice period if you need to withdraw funds.

  • Cash ISA

    Tax Free savings, allowing you to deposit up to a maximum of your annual cash ISA allowance every year.

  • Fixed Rate Bonds

    Bonds where you deposit an amount of money away for a certain period in return for a fixed level of interest.

Click the arrows to arrange the product details by the savings institution.

Click the arrows to arrange the product details by the notice period to withdraw funds. For Bonds, this period will be the length of the bond.

Click the arrows to arrange the product details by the rate (AER).

Click the arrows to arrange the product details by the total amount saved depending upon the amount you wish to save and the period over which you are saving it.

How much money do you have to deposit?

Show only cash ISA's where you can transfer funds from an existing ISA.

Show only savings where you are permitted to make withdrawals.

  • Ethical

    Stocks and Share ISA's where your money will only be invested into growth funds purchasing stock in companies that are socially, ethically and environmentally responsible.

  • Income

    Stock and Share ISA's where your money will be invested into high dividend payout companies, in order to generate a tax free income from your savings.

  • Pick Your Own Fund

    Stock and Share ISA's where your money can be used to purchase units from funds you pick from.

Click the arrows to arrange the product details by the institution name.

Click the arrows to arrange the product details by the risk level.

Click the arrows to arrange the product details by the past performance level. Remember that past performance is not an indicator of future performance.

Click the arrows to arrange the product details by the fund value after the chosen period. If it is an income ISA, this will show the growth of the initial fund.

Click the arrows to arrange the product details by the name of the pension provider.

Click the arrows to arrange the product details by the past compounded annual growth rate of the pension plan. Remember that past performance is not an indicator of future performance.

Click the arrows to arrange the product details by the pension value based upon the amount you are investing and period invested (figures are created using the past compounded annual growth rate).

How much will you be investing monthly into the pension, gross?

Enter the minimum past annual growth percentage for funds you wish to see.

Disclaimer

This site is designed to give you an understanding of financial products out in the wild, preparing you for proper professional advice.

We have provided guides, tools, a selection of deals (lowest rate and/or fees) but expect you to seek full professional advice with a whole of market adviser before making any decision.

Use the information provided at your own risk, we're not providing advice and errors can be made. Calculations made on the site are estimates, therefore in places assumptions or approximations may be used. We cannot accept responsibility nor are liable for any mistakes.

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Please read our full disclaimer.

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