What annual return should I use?

The FTSE All-World index has returned around 8–10% annually (including dividends) over the long term. After inflation, the real return is closer to 5–7%. Use a conservative 5–7% for planning; be wary of using higher figures.

Does this account for inflation?

No — this calculator shows nominal (before-inflation) returns. To estimate real (after-inflation) returns, subtract the expected inflation rate (typically 2–3%) from your annual return rate.

How important are regular contributions?

Very important — pound-cost averaging through regular contributions reduces the impact of market volatility. Even modest monthly contributions compound significantly over 20–30 years.

Portfolio Growth Simulator

Project the growth of your investment portfolio over time. Enter your starting investment, regular monthly contributions, and expected annual return to see a year-by-year breakdown.

Initial investment (£) Monthly contribution (£) Expected annual return (%) Investment period (years)

How it's calculated

Monthly Growth = Balance × (Annual Return ÷ 12)
End Balance = Start Balance + Growth + Monthly Contributions

Frequently Asked Questions

What annual return should I use?: The FTSE All-World index has returned around 8–10% annually (including dividends) over the long term. After inflation, the real return is closer to 5–7%. Use a conservative 5–7% for planning; be wary of using higher figures.
Does this account for inflation?: No — this calculator shows nominal (before-inflation) returns. To estimate real (after-inflation) returns, subtract the expected inflation rate (typically 2–3%) from your annual return rate.
How important are regular contributions?: Very important — pound-cost averaging through regular contributions reduces the impact of market volatility. Even modest monthly contributions compound significantly over 20–30 years.