Savings Calculaor
A clean, fast UK savings calculator with compound interest, inflation-adjusted projections, goal tracking, and a full monthly breakdown.
Your savings plan
Adjust the values to see your future grow
Compound monthly
Show today's purchasing power
Set a target to track progress
Growth over time
Hover the line to inspect any month
Understanding ISAs
Updated for 2025
💰 What is a Cash ISA?
A Cash ISA (Individual Savings Account) is a tax-free savings account available in the UK. The interest you earn isn't subject to income tax, so more of your money compounds for you.
🛡️ New ISA rules (from April 2027)
- Total ISA allowance stays at £20,000 per tax year.
- Cash ISA limit reduced to £12,000 for under-65s.
- Remaining £8,000 must go into Stocks & Shares ISAs if using full allowance.
- Age 65+ can keep using the full £20,000 in Cash ISAs.
📈 Stocks & Shares ISAs
- Potential for higher long-term returns than cash.
- Tax-free dividends and capital gains.
- Investments can go down as well as up.
- Best suited to a 5+ year time horizon.
🎯 Smart saving tips
- Set a monthly goal and automate it.
- Use your full allowance before 5 April each year.
- Keep 3–6 months of expenses in accessible cash.
- Diversify based on your risk tolerance and timeline.
⏳ The power of starting early
Saving £250/month from age 25 at 5% compounds to roughly £382k by 65. Start at 35? Around £208k. A decade of compounding is worth more than a decade of bigger contributions.
🧮 Rule of 72
Divide 72 by your interest rate to estimate how long it takes your money to double. At 6%, money doubles every 12 years. At 3%, every 24 years.