UK Personal Finance Calculators 2026

ISA Growth Calculator

See how your stocks & shares ISA could grow. Annual allowance is £20,000 — all growth and withdrawals are tax-free.

Current ISA balance

Monthly contribution

Max £1,667/month to stay within the £20,000 annual allowance

Annual return 7%

FTSE All-World historical average ~7–10% real return per year

Time horizon 20 years

Your ISA projection

Projected value

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You invest

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Tax-free growth

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ContributionsGrowth

No CGT on gains, no income tax on dividends. Assumes steady annual return — real returns vary year to year.

Savings Goal Calculator

How long will it take to reach your target, and how much interest will you earn along the way?

Savings goal

Current savings

Monthly saving

Interest rate (AER) 4.5%

Top easy-access accounts currently paying ~4.5–5% AER

Your savings projection

Time to reach goal

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Total saved

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Interest earned

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Progress to goal0%

Monthly compounding at stated AER. Consider a cash ISA to keep interest tax-free if you exceed your £1,000 personal savings allowance (£500 for higher-rate taxpayers).

Pension Pot Calculator

Estimate your retirement pot including government tax relief. Basic-rate taxpayers get 25% added on every contribution.

Current pension value

Your monthly contribution

What you pay in — tax relief is added automatically on top

Employer monthly contribution

Your income tax rate

Years to retirement 25 years

Annual growth rate 6%

Your pension projection

Estimated pot at retirement

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You contribute

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Tax relief

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Employer adds

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Investment growth

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Illustrative only. Does not account for inflation, salary changes, or the £60,000 annual allowance cap. Tax relief claimed via relief at source for most personal pensions and SIPPs.

FIRE Number Calculator

How much do you need to retire early? Based on the safe withdrawal rate — what % you can draw annually without running out of money.

Annual spending in retirement (£)

Include everything: rent, food, transport, holidays, subscriptions

State pension (annual, from age 67)

Full new state pension 2026/27 is £11,973. Check yours at gov.uk

Safe withdrawal rate 4.0%

4% suits ~30yr retirement. Use 3–3.5% for 40–50yr early retirement

Target retirement age 45

Current investments & savings

Expected annual return 7%

Your current age

Used to calculate years until retirement and monthly saving needed

Your FIRE number

Target portfolio needed

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Without state pension

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Monthly saving needed

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You already have

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Still to save

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Current savings0% there

State pension reduces required drawdown — but only from age 67. The gap between your retirement age and 67 must be funded entirely from your own portfolio. Pension savings locked until age 57 (from 2028).