Investment Growth Calculator
Project portfolio growth with returns and contributions.
Projected portfolio value
£257,246.47
~£156,990.05 in today’s money (2.5% inflation)
Total invested
£97,000.00
Investment growth
£160,246.47
Real purchasing power
£156,990.05
In-depth explanation
Model long-term portfolio growth with monthly contributions and an expected annual return. Also shows an inflation-adjusted (real) value in today’s money. Everything runs locally in your browser — your inputs are not uploaded to produce the result.
Long-run equity averages are often cited around 5–10% nominal before fees, but past performance is not a guarantee. Be conservative for planning. The projected balance adjusted for your inflation assumption — roughly what the money could buy in today’s prices.
Platform and fund charges reduce net returns — lower the expected return to approximate fees. Use Investment Growth Calculator for quick planning; confirm important money, tax, or health decisions with an official source or professional when needed.
Expected return is an assumption. Equity-heavy portfolios have had long-run averages in a wide band; they also fall 20–50% in bad years. A smooth curve on a chart is not a path you will walk.
Inflation-adjusted value answers “what could this buy in today’s money?”. Fees belong in a lower assumed return. This is not asset allocation advice.
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Frequently asked questions
What return rate should I use?
Long-run equity averages are often cited around 5–10% nominal before fees, but past performance is not a guarantee. Be conservative for planning.
What is real purchasing power?
The projected balance adjusted for your inflation assumption — roughly what the money could buy in today’s prices.
Are fees included?
No. Platform and fund charges reduce net returns — lower the expected return to approximate fees.
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