Investment Planning Calculator

Your Investment Goal Planner
Let's map out your journey towards "Retirement Nest Egg" (£300,000)

Aiming for: £300,000

Current savings: £25,000

30 yrs

Adding: £350 / month (initially)

Investment Scenario Outcomes
Comparing potential results for "Retirement Nest Egg" over 30 years.
Saver
100% Savings / Cash
Risk

Est. Final Value (Nominal)

£290,085.34

(After ~0.50% fee p.a.)

Goal Status (Nominal)97%

Potential shortfall (-£9,914.66)
Cautious
25% Market / 75% Savings
Risk

Est. Final Value (Nominal)

£336,991.97

Range*: £157,734 - £783,116

(After ~0.50% fee p.a.)

Goal Status (Nominal)100%

Goal potentially achieved (+£36,991.97)
Balanced
50% Market / 50% Savings
Risk

Est. Final Value (Nominal)

£392,644.24

Range*: £92,691 - £2,263,099

(After ~0.50% fee p.a.)

Goal Status (Nominal)100%

Goal potentially achieved (+£92,644.24)
Growth
75% Market / 25% Savings
Risk

Est. Final Value (Nominal)

£458,726.42

Range*: £59,349 - £6,692,397

(After ~0.50% fee p.a.)

Goal Status (Nominal)100%

Goal potentially achieved (+£158,726.42)
Investor
100% Market Equities
Risk

Est. Final Value (Nominal)

£537,245.7

Range*: £41,231 - £19,724,439

(After ~0.50% fee p.a.)

Goal Status (Nominal)100%

Goal potentially achieved (+£237,245.7)

*Illustrative potential range based on applying +/- 1 Standard Deviation (approx. 16.0% p.a.) to the market return portion each year. This is a simplified model for guidance only; actual investment outcomes are unpredictable and can vary significantly, potentially falling outside this range. Not a guarantee or forecast.

The High Price of Waiting (Cost of Delay)
Waiting to start means you might need to save significantly more each month to reach the same £300,000 target in 30 years. (Based on 'Balanced' scenario averages).

If you start 1 yr later...

+£0

...extra needed per month

If you start 3 yrs later...

+£0

...extra needed per month

If you start 5 yrs later...

+£18.29

...extra needed per month

This highlights the power of compound growth. Starting your investment journey earlier, even with smaller amounts, can make a big difference. Calculations are estimates.

Projected Growth Journey (Future Money)
Visualising potential average growth paths towards your £300,000 goal for "Retirement Nest Egg". Values shown in future nominal terms.
Understanding Your Projections & Next Steps

This tool is for educational illustration ONLY.

  • It provides estimates based on your inputs and selected assumptions, NOT financial advice or predictions.
  • All investments involve risk, including the potential loss of your initial investment. Past performance does not guarantee future results.
  • The projections shown are hypothetical and depend heavily on assumptions that may not reflect reality. Real-world returns fluctuate unpredictably.
  • Do NOT make investment decisions based solely on this tool.

Next Step Recommendation:

Always consult a qualified, regulated financial advisor. They can provide personalised advice tailored to your complete financial situation, goals, risk tolerance, and specific circumstances. This tool cannot replace professional guidance.