Advanced ISA planning for UK savers.
Additional Settings
Premium controls for inflation benchmarks, assumptions, and inflation-adjusted return framing.
Latest benchmark not available. Using manual assumptions.
Real return framing
This shows estimated growth after inflation, so you can judge future buying power rather than headline balance only.
Year 1-3 real return: 3.0%
Year 4+ real return: 3.0%
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15 years
Value, total contributions, and growth over time.
Projected ISA value
£223,136
Total contributions
£139,513
Estimated growth
£83,624
Inflation-adjusted end value
£154,068
4% withdrawal estimate (monthly / annual)
£744 / £8,926
Your estimates
Base ISA plus insights
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UpgradeYear 1 contributions: £7,200
ISA allowance: £20,000
Year 1
Value: £23,231
Contributions £22,200 | Growth £1,031
Year 3
Value: £41,565
Contributions £37,035 | Growth £4,530
Year 5
Value: £62,658
Contributions £52,470 | Growth £10,189
Year 10
Value: £129,828
Contributions £93,838 | Growth £35,990
Year 15
Value: £223,136
Contributions £139,513 | Growth £83,624
Inflation Lab
Scenario and sensitivity view for real-value outcomes.
Base
Return 5.5% | ST/LT inflation 2.5% / 2.5%Real end value: £154,068
Higher inflation
Return 5.5% | ST/LT inflation 4.0% / 4.0%Real end value: £123,900
vs base: -£30,168
Stress
Return 3.5% | ST/LT inflation 5.5% / 5.5%Real end value: £83,626
vs base: -£70,442
Sensitivity Matrix (real end value)
Rows = inflation assumption, columns = return assumption.
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