ISA calculator

See how much your money could grow

Use our handy ISA calculator to:

  • See how much your Stocks & Shares ISA could be worth in the future.
  • Compare Cash ISA interest rates with a Stocks & Shares ISA.
  • Check what annual growth rate you'll need to achieve a financial goal.

How to choose your annual growth rate

Your ISA's annual growth rate will depend on what type of investments you choose. In general, the more risk you are prepared to accept, the higher your potential returns.

For your convenience, our recommended shares to buy and Platinum 120 finest funds are each given a risk rating: lower, medium or higher risk. Although past performance is not an indicator of future performance, have a look at how some of these shares and funds have performed on an annual basis. It'll give you an idea of what annual growth rate you could aim for.

How our stocks and shares ISA calculator works

Our ISA interest calculator is based on our Self-select Stocks & Shares ISA, and account fees are deducted as part of the calculation. Dealing commission is not deducted, since it depends on how many investments you buy and sell. Similarly, future ISA allowances can't be taken into consideration since any increases are announced on an annual basis.

Projected investment growth shown by our ISA calculator is just an indication of how your money could grow. Actual growth will depend on your investments' performance.

Why the negative growth?

The amount you have chosen to invest, in conjunction with your annual growth rate, is not enough to cover the account fees of our Self-select Stocks & Shares ISA over the timescale specified.

What’s a one-off investment?

If you have a lump sum of money to invest, or are transferring from another ISA or savings account, this is classed as a one-off investment.

What’s a regular investment?

Paying money into your ISA on a monthly basis using our regular investment service is a great way to build up your investments, and it usually works out cheaper in terms of dealing commission too.

What’s my timescale?

The number of years you are happy to leave your money invested in the stock market for. The longer you invest for, the more money you could make.

What’s annual growth rate?

The percentage increase in the value of your investments that you are aiming for each year.

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