Contributions versus growth
How much final value comes from deposits and how much comes from estimated returns.
ContributionsGrowth
Money
Compound Growth Calculator
Explore how starting balance, monthly saving, annual return, and contribution step-ups affect long-term growth.
Projected value£249,075After 20 years
Contributions£126,627Including starting balance
Growth£122,448Estimated compound return
Projected balance
The full balance path through the selected period.
Balance
Final value split
Final value split before any optional tax estimate.
Amount
Growth breakdown
Starting balance£10,000
Final monthly contribution£583
Growth share49.2%
Assumed annual return6.0%
Tax estimate
ModeNo CGT estimate
Rules year6 April 2026 to 5 April 20272026/27
Capital gain modelled£122,448
CGT annual exempt amount£3,000
Estimated CGTNot applied£0
Assumptions
Calculation notes
- Uses monthly compounding and a constant return assumption.
- Tax estimate is off by default; ISA and pension wrappers have different tax treatment.
- Does not include fees, inflation, platform charges, or market volatility.
- Negative return assumptions are allowed for stress testing.