Savings Calculator

Compares returns from cash-ISAs and stock-and-shares-ISAs with inflation

Year	Amount	Amount	CPI	Amount	int%	Amount	FTSE
		(CPI)		(int%)		(FTSE)
2010	5,000	5,000.00		5,000.00		5,000.00
2011	0	5,210.00	4.2	5,137.50	2.75	4,789.50	-4.21
2012	0	5,350.67	2.7	5,281.35	2.80	5,342.69	11.55
2013	0	5,457.68	2.0	5,374.83	1.77	6,414.43	20.06
2014	0	5,484.97	0.5	5,454.38	1.48	6,442.01	0.43
2015	0	5,495.94	0.2	5,530.74	1.40	6,492.26	0.78
2016	0	5,583.88	1.6	5,598.77	1.23	7,524.53	15.90
2017	0	5,751.39	3.0	5,654.75	1.00	8,472.62	12.60
2018	0	5,872.17	2.1	5,721.48	1.18	7,657.55	-9.62
2019	0	5,948.51	1.3	5,801.01	1.39	9,102.53	18.87
2020	0	5,984.20	0.6	5,838.14	0.64	8,181.36	-10.12
2021	0	6,307.35	5.4	5,858.57	0.35	9,598.37	17.32

CPI: price-inflation
int%: cash-ISA
FTSE: stocks-and-shares-ISA based on FTSE-All-Share-index tracker funds

Example
I saved 5000.00 during 2010.
What is the value of those savings at the end of 2020?
Amount=5000, Year=2010.
Answer: At end 2020 allowing for inflation 5,984
If invested in a savings account: maybe 5,838
If invested in Stock Market: maybe 8,181

Start Year: The calculator increases the amount from the end of Start Year onwards. If I had invested 5,000.00 in January 2009, I should use Start year=2008.

In the example, FTSE average annual growth: 6.1% which is 4.7% in real terms

ISAs: savings-account and FTSE end-of-year amounts are not reduced by tax.

Tax-free ISA's(Individual Savings Accounts) were introduced in 1999. ISA's were preceded by other tax-free savings - TESSA's (started 1991) and PEP's (started 1986).

expand/collapse FTSE fund charges

Regular savings compounded annually

Table shows returns from regular savings invested in an FTSE-All-Share index fund.

- Annual Amt Start Year End Year

Please Correct Amount