Illustrative projection
Investment Growth Calculator Sheffield
A quick estimator for how a lump sum and monthly contributions might compound over time. Set the inputs and read the projected balance, total contributed and implied investment growth. Illustrative only; not a forecast and not a recommendation. Past performance is not a guide to future returns.
Indicative projection
Investment growth calculator · Sheffield
Set a starting lump sum, a monthly contribution, a horizon in years and an assumed annual return. Illustrative only. Past performance is not a guide to future returns.
Total contributed
£140,000
Investment growth
£119,770
Projected balance
£259,770
Assumes the assumed-return rate is achieved consistently each year, contributions are added at the end of each month, and no fees, taxes or inflation adjustments are applied. Real-world investment returns vary year to year and can be negative; fees on the platform and underlying funds will reduce the net return. Illustrative only; not regulated advice.
Calculator notes
How the numbers work
What does this calculator do?
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It projects how a starting lump sum plus regular monthly contributions might grow over a chosen number of years at an assumed annual return, with monthly compounding. The result is a single projected balance at the end of the horizon, alongside the total contributed and the implied investment growth. It is a sense-check, not a forecast and not a recommendation.
What return assumption should we use?
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That depends on the asset mix and the horizon. Historical long-run real (after inflation) returns from a globally diversified equity portfolio sit around 4% to 5% per year over rolling 20-year periods. Cash savings real returns sit closer to 0%. A balanced 60/40 equity-bond portfolio sits between those two. The calculator default of 5% is in line with a long-run equity assumption, but actual returns vary year by year and can be negative; periods of poor returns lasting a decade or more have happened. Treat the figure as an illustration, not a promise.
Does the calculator include fees, taxes or inflation?
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No. The result is a gross nominal projection, before any platform charges, fund ongoing charges, or adviser fees, and before income tax or capital gains tax. It also does not adjust for inflation; a £100,000 balance in 30 years buys less than £100,000 today. To estimate the real value, subtract roughly 2% per year of expected inflation from the return assumption before running the projection. To estimate the after-fee value, subtract the all-in annual fees (typically 0.2% to 0.5% on self-directed passive, 1.5% to 2.5% on fully advised) from the return assumption.
Is the calculator regulated financial advice?
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No. The calculator is an illustration only and is not a recommendation on what to invest in, where to invest, or whether to invest. Information on this site is general in nature and does not constitute regulated financial advice. Seek advice from an FCA-authorised adviser for decisions affecting your circumstances.
The calculator is an illustration only. Information on this site is general in nature and does not constitute regulated financial advice. Seek advice from an FCA-authorised adviser for decisions affecting your circumstances. We are not FCA-authorised, we do not give regulated financial advice, and we do not sell financial products.
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