How does the savings calculator project my pot?

The savings calculator projects the future value of a pot by applying compound interest to an opening balance and to regular monthly contributions over the number of years you specify. The result is the closing balance assuming the rate stays constant — in practice, rates change, so the projection is illustrative.

Does the savings calculator include tax on interest?

No. The calculator shows the gross return before any income tax on the interest earned. UK savers have a Personal Savings Allowance (£1,000 for basic-rate taxpayers, £500 for higher-rate from 2024/25) before savings interest becomes taxable. Amounts above the allowance are taxed at your marginal income tax rate.

Àireamhair sàbhalaidh

Faic dè cho mòr 's a dh'fhàsadh poit shàbhalaidh nan cuireadh tu suim shuidhichte ris gach mìos agus an cothromachadh a' cosnadh rèidh, air a cho-mheasgachadh gach mìos. Tha tasgadh airgid air fear de na dòighean as saoire airson iasad geàrr-ùine a sheachnadh.

Cothromachadh ro-mheasta: —
Iomlan a chaidh a phàigheadh a-steach: —
Rèidh a chaidh a chosnadh: —

Am foirmle

FV = P × (1 + i)^m + C × [ ((1 + i)^m − 1) / i ]

'S e P an t-suim tòiseachaidh, 's e C an tabhartas mìosail, 's e i an ìre mhìosail (an ìre bhliadhnail air a roinn air 12) agus 's e m an àireamh mhìosan. Ma tha an ìre neoni, 's e am balans dìreach na phàigh thu a-steach.

Eisimpleir obraichte

Start with £500.00, add £100.00 a month for 5 years at 3% a year. You pay in £6,500.00 and the pot grows to about £7,045.48 — roughly £545.48 of interest.

'S e tuairmse a tha seo. Bidh fìor ìrean ag atharrachadh, agus dh'fhaodadh cìs a bhith air rèidh. Tha e a' gabhail ri ìre chunbhalach agus nach caill thu tabhartas mìosail a-chaoidh.

Càit an tèid thu an ath-thuras

Fèin-sgrùdadh ion-ruigsinneachd iasaid — ro cho-dhùnadh iasaid sam bith.
An t-iasad gnìomhachais againn — a' chosgais, an cap agus cò as urrainn iarrtas a chur a-steach.
Cuideachadh le pàigheadh — ma tha airgead gann, bruidhinn rinn tràth.
MoneyHelper — stiùireadh airgid an-asgaidh, neo-chlaon, le taic bhon riaghaltas.
gov.uk Business Finance Support — tabhartasan agus maoineachadh dom faodadh tu a bhith airidh.