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.
- 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.
- 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.
- 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.
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