After 5 years
£0
You put in£0
Illustrative growth£0
See what your spare money could become
Your money each month
Just six numbers. Change any of them.
What lands in your bank after tax
Example based on typical UK full-time pay. Where this figure comes from
Move a slider or type an amount. Everything updates instantly.
YOUR MONTHLY POTENTIAL
£486
You could save this every month.
Total monthly spending
£2,150
Potential yearly savings
£5,832
Take-home pay left over
18.4%
Little changes can add up
Even a small monthly amount can make a difference over time. Scroll down to explore.
What if you invested the difference?
Imagine adding your spare money each month to a low-cost global index fund (a mix of shares in companies worldwide). You start from zero, investing at month-end.
Enter your figures in this currency. Amounts are not converted.
Choose an annual growth illustration
Hypothetical rates, not forecasts or promises.
AFTER 30 YEARS
£0
illustrative portfolio value
Money you put in
Illustrative growth
You put in £0
Illustrative growth £0
Your possibilities start with money left over
Adjust your income or spending above to see an illustration here.
Move over or tap the chart to explore a year. Keyboard: use ← and →.
See how it adds up
Amount invested + illustrative growth = totalAfter 10 years
£0
You put in£0
Illustrative growth£0
After 20 years
£0
You put in£0
Illustrative growth£0
After 30 years
£0
You put in£0
Illustrative growth£0
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GOOD TO KNOW
A few common questions
How does this monthly savings calculator work?
It subtracts your monthly spending from your take-home pay. If you have money left over, that is the amount used for each hypothetical monthly investment. If spending is higher than income, it shows the shortfall instead.
Does a global index fund grow by 5% every year?
No. The 3%, 5% and 7% figures are only examples to help you explore possibilities. Real investment returns change from year to year. Markets can fall, and you could get back less than you invested. You can adjust annual fees and inflation in the assumptions. Taxes are excluded.
Are my income and spending details private?
Yes. The calculator runs in your browser. Your figures are not sent to the website or saved in an account. You can choose to share a picture of your monthly savings and 20-year illustration, without sharing your income or spending breakdown. This version has no advertising trackers or analytics scripts. See our privacy information for more.
FIND YOUR NEXT STEP
Your money journey
Start wherever you are. Every stage is open to everyone.
One minute. One decision.
One useful money lesson
Explore a money decision and learn why different circumstances can lead to different choices.
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