Project the growth of your Stocks and Shares ISA and compare with Cash ISA returns over time.
Past performance does not guarantee future results. The value of investments can go down as well as up.
Stocks & Shares ISA Value
£458,000
After 20 years
Total Contributed
£205,000
Investment Growth
£253,000
Advantage over Cash
£137,353
Stocks & Shares ISA
£458,000
Growth: £253,000
Cash ISA
£320,648
Growth: £115,648
| Year | Contributed | S&S ISA | Cash ISA |
|---|---|---|---|
| 1 | £15,000 | £16,050 | £15,600 |
| 2 | £25,000 | £27,874 | £26,624 |
| 3 | £35,000 | £40,525 | £38,089 |
| 4 | £45,000 | £54,061 | £50,013 |
| 5 | £55,000 | £68,546 | £62,413 |
| 10 | £105,000 | £157,672 | £132,265 |
| 15 | £155,000 | £282,676 | £217,250 |
| 18 | £185,000 | £380,689 | £276,841 |
| 19 | £195,000 | £418,038 | £298,315 |
| 20 | £205,000 | £458,000 | £320,648 |
A Stocks and Shares ISA allows you to invest in a wide range of assets including funds, shares, bonds, and investment trusts, all within a tax-efficient wrapper. Any income (dividends) and capital gains earned within the ISA are completely free from UK tax, making it one of the most powerful savings tools available to UK investors. At Calculator Site, we built this tool to help you see the potential of long-term investing.
Risk and Time Horizon
Investing in a Stocks and Shares ISA carries more risk than a Cash ISA, as the value of your investments can fall as well as rise. However, historically, equities have outperformed cash over periods of 10 years or more. The general guidance is to invest for at least 5 years to give your investments time to recover from any short-term market downturns. For a broader view of your finances, try the Take-Home Pay Calculator.
The key advantage of investing is the potential for compound growth. While cash savings earn a fixed interest rate, investments can grow through both capital appreciation and reinvested dividends. Over 20 or 30 years, this compounding effect can result in significantly larger returns.
£20,000
Annual ISA Allowance
7-10%
Historical Annual Return
5+ Years
Recommended Horizon
Our Compound Interest Calculator can help you visualize this effect. You might also find our Savings Calculator useful.
How to use this Calculator Site tool
Enter an initial investment, your planned annual contribution, an expected return rate, and the number of years you plan to invest. The calculator will project the future value of your Stocks and Shares ISA and compare it against a standard Cash ISA. The year-by-year breakdown shows how your investment grows over time, illustrating the power of compounding. For official ISA rules, visit GOV.UK ISA guide.
Compound Interest Savings Calculator
See how your savings grow over time with compound interest and regular monthly c...
Compound Interest Calculator
Calculate compound interest on any amount with flexible compounding frequencies.
Savings Goal Calculator
Work out how much you need to save each month to reach your savings target.
ISA Growth Calculator
Calculate the tax-free growth of your ISA savings over time.
Savings Comparison Calculator
Compare different savings accounts and interest rates side by side to find the b...
Savings vs Investing Calculator
Compare projected returns from savings accounts versus stock market investing ov...
We use cookies to ensure the website works properly and to help us understand how it is used. You can accept all cookies, reject non-essential ones, or manage your preferences. Read our Privacy Policy for full details.