Savings & Investments
- Compound Interest CalculatorThis compound interest calculator shows how your money can grow when the interest you earn starts earning interest of its own. Enter a starting balance, a regular monthly deposit, an annual interest rate and the number of years, and you will see the projected balance and how much of it is growth rather than your own contributions. It is built for anyone planning ahead in the UK: savers building an emergency fund, parents saving for a child, or investors testing how a long-term pot might develop. It is a forecasting tool, not a tax calculator, so the figures depend entirely on the rate and deposits you choose.
- Dividend Yield CalculatorUse our free Dividend Yield Calculator to get an instant estimate.
- FIRE CalculatorUse our free FIRE Calculator to get an instant estimate.
- Gilt Ladder CalculatorSpread a lump sum across gilts maturing in successive years, so cash comes back to you steadily - and tax-efficiently, since gilt gains are free of Capital Gains Tax. Build your ladder and see the year-by-year maturity schedule.
- Gilt Yield Calculator (After-Tax)Work out the real, after-tax return on a UK government gilt - and see the savings rate you'd need to beat it. Because gilt capital gains are free of Capital Gains Tax and only the coupon is taxed, a low-coupon gilt bought below £100 can comfortably out-earn a taxed savings account, especially for higher and additional-rate taxpayers.
- Gilt vs Savings vs ISA CalculatorWhere should your cash live? Compare the after-tax return on the same lump sum across a taxed savings account, a low-coupon gilt (gain CGT-free), a cash ISA and Premium Bonds - and see the clear winner for your tax band.
- ISA CalculatorThis ISA calculator shows how much your Cash or Stocks & Shares ISA could be worth after a few years of saving, with every penny of growth sheltered from UK tax. Pop in an opening balance, what you'll add each month, the return you expect and the number of years, and you'll get a year-by-year picture of how compounding builds your pot. It's built for anyone using their £20,000 annual ISA allowance, whether you save a lump sum once a year or drip-feed a set amount each month. Seeing your projected balance laid out year by year makes it easier to set a realistic savings goal and stay on track.
- Index-Linked Gilt CalculatorIndex-linked gilts ("linkers") protect your buying power: the principal grows with inflation on top of a real yield. Project the nominal value at maturity and see the inflation-proof real return.
- Interest CalculatorUse our free Interest Calculator to get an instant estimate.
- Investment CalculatorThis investment calculator shows roughly how much a lump sum and regular monthly contributions could grow into over time, using a growth rate you choose. It is built for UK investors weighing up a stocks and shares ISA, a general investment account or a pension drip-feed, who want a clear, year-by-year picture rather than a vague promise. Put in your starting amount, what you can add each month, an assumed annual return and a time horizon. The tool projects the end value and splits out what you paid in versus what growth added, so you can see the impact of compounding and adjust your plan with confidence.
- Personal Savings Allowance CalculatorOur personal savings allowance calculator shows how much of your savings interest is tax-free and estimates any tax due on the rest. It works out your Personal Savings Allowance (£1,000/£500/£0) alongside the £5,000 starting rate for savings, so you can see exactly where you stand for the year. Your allowance depends on which income tax band you fall into, and lower earners may pay no tax on savings at all. Enter your income and interest below to check your position in seconds.
- Premium Bonds CalculatorUse our free Premium Bonds Calculator to get an instant estimate.
- Regular Savings CalculatorThis regular savings calculator works out what a monthly regular saver account could grow to over the term, including the interest earned on every single deposit you make. Unlike a lump-sum tool, it accounts for the fact that money paid in during month one earns interest for far longer than money paid in during month eleven. Put in your monthly amount, the headline rate and how many months you'll save for, and you'll see the closing balance, the total you paid in, and the interest on top.
- Savings CalculatorThis savings calculator shows how much your money could grow once interest starts working on it, whether you pay in a single lump sum, save a fixed amount each month, or both. Put in your starting balance, your monthly deposit, an interest rate and a time period, and you get a projected final balance plus a year-by-year breakdown. It is built for UK savers comparing accounts, setting a plan, or simply wanting to know what their pot might be worth in a few years' time.
- Savings Interest Tax CalculatorWork out whether you owe tax on your savings interest, and how much, after your Personal Savings Allowance and the starting rate for savings.
- Lifetime ISA CalculatorA Lifetime ISA (LISA) gives you a 25% government bonus on up to £4,000 a year - up to £1,000 of free money - to put towards your first home or retirement. This calculator projects your pot, including the bonus and any investment growth, year by year.
Make your money work harder
Whether you are building an emergency fund, saving for a deposit or investing for the long term, understanding how your money grows is the first step. Our savings and investment calculators show the effect of interest, contributions and time so you can set realistic goals and reach them sooner.
The Compound Interest Calculator is the place to start — it shows how returns earned on your returns snowball over the years. Use the Savings Calculator and Regular Savings Calculator to plan monthly deposits, and the Interest Calculator to compare account rates.
Tax-efficient and goal-based saving
Saving inside an ISA shelters your returns from tax. The ISA Calculator projects how your allowance could grow over time. Prefer the thrill of a draw? The Premium Bonds Calculator estimates typical prize returns on your holding.
Investors can model long-term growth with the Investment Calculator and check income with the Dividend Yield Calculator. Dreaming of early retirement? The FIRE Calculator shows the pot you need to achieve Financial Independence and Retire Early. Every calculator is free, instant and needs no sign-up.
Other calculator categories
All calculators →Software that files it for you
Partner linksIf you keep your own books, these are the packages that handle Self Assessment and Making Tax Digital.
FreeAgent
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See FreeAgentQuickBooks
The big all-rounder with the deepest MTD track record.
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See QuickBooksXero
The scale-up choice once you have staff, stock or VAT.
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From about £15/mo
See XeroWe may earn a commission if you sign up through one of these links. It never changes what we calculate, what we recommend, or the order they appear in.
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