UK Savings & Investment Calculators

The UK savings system gives every adult a £20,000 ISA wrapper each year — split however they like across cash, stocks & shares, innovative finance, and the under-40 Lifetime ISA with its 25% government bonus. Outside ISAs, the Personal Savings Allowance shelters £1,000 of interest for basic-rate taxpayers (£500 higher-rate, nil additional-rate) and Premium Bonds offer tax-free prizes instead of interest. The calculators here help you size monthly contributions toward a target, project long-run compound growth under realistic returns, compare a one-off lump sum versus regular drip-feeding into the market, and model inflation drag against nominal returns. Most savers benefit from prioritising ISA capacity, then employer pension match, then unwrapped investing.