Wealth Growth Projector
Project wealth growth over time with annual savings and compound returns. See milestones (£100K, £1M).
Last updated: April 2026 · Source: Bank of England
Projected Wealth in 20 Years
£1,070,148.04
Total Invested
£450,000.00
Growth
£620,148.04
Growth Multiple
2.4x
Milestones
| Year | Invested | Growth | Balance |
|---|---|---|---|
| 1 | £70,000.00 | £4,268.81 | £74,268.81 |
| 5 | £150,000.00 | £40,202.77 | £190,202.77 |
| 10 | £250,000.00 | £138,957.75 | £388,957.75 |
| 15 | £350,000.00 | £320,717.83 | £670,717.83 |
| 20 | £450,000.00 | £620,148.04 | £1,070,148.04 |
Disclaimer
This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.
How It Works
Wealth growth projection combines multiple income streams and savings vehicles into a single compound growth model. The calculation takes your current net worth, adds monthly contributions (potentially split across pension, ISA, and general savings), applies different growth rates to each portion based on asset allocation, and projects the total forward year by year. Pension contributions include tax relief uplift, and ISA growth is modelled tax-free.
Milestone tracking identifies when your portfolio crosses key thresholds: £50,000, £100,000, £250,000, £500,000, and £1,000,000. The first £100,000 is often the hardest because compound growth on a small base is modest. With £500/month at 7% growth, reaching £100,000 takes approximately 11 years, but the second £100,000 takes only 6 more years, and the third about 4 years — demonstrating the accelerating power of compounding on a larger base.
The projector models real-world scenarios including salary increases (and therefore contribution increases), anticipated windfalls or inheritances, changing risk profiles with age (shifting from equities to bonds reduces assumed returns), and the impact of reaching ISA or pension contribution limits. It shows the path to financial independence, defined as the point where your portfolio can sustain your target annual spending indefinitely at a safe withdrawal rate.
Wealth projection from £50,000 with £1,000/month savings at 6%
- Starting portfolio: £50,000. Monthly saving: £1,000 (£12,000/year)
- Year 5: approximately £125,300 (first £100K milestone reached in year 4)
- Year 10: approximately £218,600
- Year 20: approximately £530,800 (£500K milestone at ~year 19)
- Year 30: approximately £1,050,000 — millionaire status reached, of which £410,000 is contributions and £640,000 is compound growth
Source: Bank of England
Frequently Asked Questions
- What does the Wealth Growth Projector do?
- Project wealth growth over time with annual savings and compound returns. See milestones (£100K, £1M). All calculations are performed in your browser using official UK rates and thresholds.
- Is this calculator suitable for financial decisions?
- This calculator provides estimates for guidance only. Investment returns are not guaranteed and your capital is at risk. Consider seeking independent financial advice before making investment decisions.
- Are ISA contributions tax-free?
- Yes. The annual ISA allowance for 2025/26 is £20,000. Any interest, dividends or capital gains within an ISA are completely tax-free.