Calculator
The compounding that nobody at school bothered to show you.
ISA, S&S, the whole stack. Put in your number, get the real curve.
£
£
yr
%
Reality check
S&P 500 long-term real return is ~7%. The FTSE All-Share is closer to ~5%. Don't model 12% — that's the lie that breaks people.
Year 20 balance
£164,355
You contributed
£74,000
Gains from compounding
£90,355
The bit you didn't earn at a job
Balance over time
Contributions Compounding