Investment & Portfolio Calculators
Understand how your investment choices and fees shape your long term outcomes. Compare growth rates, contribution levels and portfolio structures.
📈Investment Strategy
Your investment choices, fees, and portfolio structure significantly impact your retirement outcomes. These calculators help you compare ISAs, understand compound growth, and see how fees and tax drag affect long-term returns.
💼How these calculators help
Our Investment & Portfolio calculators model compound interest, compare Cash ISAs versus Stocks & Shares ISAs, calculate fee impacts, and show how different investment strategies affect your retirement timeline and wealth accumulation.
Start with these popular calculators
These six tools are the best starting point for understanding your investment options. They help you compare accounts, understand compound growth, calculate fee impacts, and see how different strategies affect your retirement timeline.
Cash ISA vs Stocks & Shares ISA Calculator
Cash is safe. Stocks can grow. See what the ISA wrapper actually does.
Lump Sum Investment Calculator
One lump, invested. What it might be worth later.
Home Bias vs Global Equity Calculator
How much of the pot is stuck in the UK, and what global shares change.
ISA Regular Contributions Calculator
Paying in each month, and what the annual ISA allowance lets you do.
ETF vs Managed Portfolio Fees Calculator
A small fee, every year, compounds the wrong way.
Cash vs Investing Opportunity Cost Calculator
Leaving it in cash has a cost. See it in pounds.
All Investment & Portfolio calculators
Browse all Investment & Portfolio calculators. These tools help you compare investment options, understand compound growth, calculate fee impacts, and see how different portfolio strategies affect your retirement timeline.
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Index Fund Comparison Calculator (UK)
What is the Index Fund Comparison Calculator? The Index Fund Comparison Calculator helps you compare the yearly charges, risk scores and past returns of popular index funds and ETFs, and see what each charge costs you in pounds. Index funds follow a market rather than trying to pick winners. Two…
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Bucket Strategy Retirement Calculator (UK)
What is the Bucket Strategy Calculator? A bucket strategy splits your retirement money according to roughly when you expect to need it. You keep money for the next few years in cash, another chunk for the medium term in bonds, and leave the rest invested for longer-term growth. The idea…
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Capital Gains Harvesting / Bed-and-ISA Calculator (UK)
What is the Capital Gains Harvesting / Bed-and-ISA Calculator? The Capital Gains Harvesting / Bed-and-ISA Calculator helps UK investors understand how much of a taxable investment portfolio could potentially be sold, re-wrapped into an ISA, and managed within Capital Gains Tax allowances. It is designed for people with investments held…
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Home Bias vs Global Equity Calculator (UK)
What is the Home Bias vs Global Equity Calculator? The Home Bias vs Global Equity Calculator helps you compare three simple equity investing approaches: all UK shares, an all global portfolio, and your own UK/global mix. It is designed for UK investors who want to understand how “home bias” can…
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ISA Regular Contributions Calculator (UK)
What is the ISA Regular Contributions Calculator? The ISA Regular Contributions Calculator helps you estimate how regular monthly investing into a Stocks and Shares ISA could build up over the rest of the current tax year. It is designed for people planning ISA top-ups before the 5 April tax-year deadline,…
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ISA Millionaire Timeline Calculator (UK)
What is the ISA Millionaire Timeline Calculator? The ISA Millionaire Timeline Calculator shows how long it could take to build a £1,000,000 portfolio inside a Stocks and Shares ISA. It is built around UK ISA rules and focuses on one simple question: if you invest regularly and earn a steady…
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How Can I Make a Million Pounds Calculator (UK)
What is the How Can I Make a Million Pounds Calculator? The How Can I Make a Million Pounds Calculator helps you map out a realistic path to building a £1 million investment portfolio. It compares three simple strategies, investing through an ISA, investing through a pension, or splitting contributions…
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GIA vs ISA vs Pension Comparison Calculator (UK)
What is the GIA vs ISA vs Pension Comparison Calculator? The GIA vs ISA vs Pension Comparison Calculator helps you compare three common UK investment wrappers using the same annual saving habit: a general investment account, a Stocks & Shares ISA, and a pension. It is designed to show how…
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Pension vs ISA Comparison Calculator (UK)
What is the Pension vs ISA Comparison Calculator? The Pension vs ISA Comparison Calculator helps UK savers compare the long-term outcomes of investing through a pension versus an ISA. It shows how tax relief, growth, withdrawals and access rules affect how much money you can actually spend in retirement. How…
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Cash vs Investing Opportunity Cost Calculator (UK)
What is the Cash vs Investing Opportunity Cost Calculator? The Cash vs Investing Opportunity Cost Calculator helps you understand the long-term cost of holding money in cash instead of investing it. It compares cash savings against investing over time and shows how inflation, tax and compounding affect your wealth in…
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Lump Sum Investment Calculator (UK)
What is the Lump Sum Investment Calculator? The Lump Sum Investment Calculator helps you decide how to allocate a large one-off sum of money across UK investment vehicles in the most tax-efficient way. It is designed for situations such as a business sale, inheritance, redundancy payout or other windfall, and…
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Cash ISA vs Stocks & Shares ISA Calculator
What is the Cash ISA vs Stocks & Shares ISA Calculator? The Cash ISA vs Stocks & Shares ISA Calculator helps you compare the long-term growth potential of saving in a Cash ISA versus investing in a Stocks & Shares ISA. It models contributions, interest rates, investment growth and inflation…
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Property Leverage Calculator
What is the Property Leverage Calculator? The Property Leverage Calculator helps you model how using sensible UK leverage can accelerate your ability to purchase additional properties, grow rental income, and ultimately support earlier or more secure retirement. By combining UK mortgage rates, rental yields, refinancing rules and cautious long-term growth…
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Lumpy Returns Calculator (UK Specific)
What is the Lumpy Returns Retirement Calculator? The Lumpy Returns Calculator helps you understand how real-world, non-linear investment returns affect the growth of your pension, ISA, GIA and Buy to Let equity. By modelling a realistic series of volatile returns next to a smooth average return, it shows how the…
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Compound Interest Comparison Calculator (UK)
What is the Compound Interest Comparison Calculator? The Compound Interest Comparison Calculator helps you see how your savings could grow over time under different combinations of time horizon and growth rate. By modelling your starting pot, monthly contributions, and several scenarios side by side, it shows how powerful compound growth…
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ETF vs Managed Portfolio Fees Calculator
How can the fees of a Managed Portfolio vs ETF impact your retirement? Compare a low-cost global index fund (such as Vanguard FTSE Global All Cap at 0.23% OCF) against a typical UK managed portfolio charging 1–2% per year. See how fees compound over time and how much they can…
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Overpaying the Mortgage vs Investing
Mortgage Overpayments vs Investing Calculator (UK) Compare overpaying your mortgage vs investing spare cash (ISA or pension). See which strategy builds more wealth by retirement – and understand the crucial difference between liquid investments and property equity. How the Calculator Works? This calculator compares the long-term impact of overpaying your…