Blincoe Financial Planning

Investment Growth Calculator

See what your savings or investments could grow to over time, with a clear view of both headline values and what they’re really worth after inflation.

How much you’re investing
The amount you have to invest today. Leave as 0 if you’re starting from scratch.
£
How much you’ll add each month. Contributions are assumed to continue for the whole term.
£
How many years you plan to stay invested.
years
How it’s invested
Cash means lower growth and lower risk. Shares means higher growth potential but values can fall as well as rise.
Defaults: 3% for cash, 6% for shares. You can override this with your own assumption.
%
Used to show the “real” value of your money in today’s terms. Nominal is the headline pound figure; real is what it will actually buy once inflation has eaten into it.
%
Account type & tax
An ISA shelters growth from tax. A General Investment Account (GIA) has no tax wrapper, so dividends and gains are taxable.
Your estimate
Projected value
Growth over time
Nominal value
Real value (today’s money)
Total contributed
Nominal vs real — what’s the difference?

Nominal is the headline pound value of your pot at the end of the term. It’s what you’d see on a statement.

Real is the same pot expressed in today’s money, after stripping out inflation. It’s a better guide to what you could actually buy with it.

Example: £100,000 in 20 years’ time sounds like a lot, but at 3% inflation it only buys what around £55,000 buys today. Real values cut through that illusion, which is why we show both.

How we calculated this
Nominal Real
Starting lump sum
Total contributions
Investment growth
Final value (after tax)
Important: This is an illustrative estimate, not financial advice. Returns are not guaranteed, and the value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. Calculations assume a constant rate of return, contributions made monthly in advance, no annual CGT or dividend allowances (so GIA outcomes are slightly conservative), and no charges or fees. Always seek independent financial advice before investing.
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Numbers on a page are a starting point. We’ll help you choose the right wrapper, build a proper strategy and keep it on track.

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Blincoe Financial Planning Ltd • Authorised through Sense Network • blincoe.uk