your future
money.
Your numbers stay in your browser.
A clearer picture of your money

See what your spare money could become

Enter what you earn and spend each month. Discover how much you could save and what it might grow into.

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
Utilities, insurance, subscriptions…
Everyday spending per month
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%
Share of income available to save18.4%
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

Move over or tap the chart to explore a year. Keyboard: use ← and →.

See how it adds up

Amount invested + illustrative growth = total
After 5 years
£0
You put in£0
Illustrative growth£0
After 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
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. The calculator also leaves out fees, taxes and inflation.

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.