Compound interest calculator
Illustrating the long-term power of consistent investing, adjusted for inflation.
The real value line deflates the nominal total by cumulative inflation each year, showing what your future pot is worth in today's purchasing power. For illustrative purposes only — actual returns will vary and are not guaranteed.
Based on withdrawing 4.5% of the real final value each year — a commonly used sustainable withdrawal rate assumption. Actual income will depend on investment performance, tax, and personal circumstances.
The figure provided is an example only and not guaranteed - this isn't a minimum or maximum amount. What you will get back depends on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and should not be treated as such.
St. James’s Place plc & Elmstone Financial Planning can accept no responsibility for any loss which may occur as a result of reliance on this information.
It is based on our understanding of current legislation and HMRC practice. It does not constitute legal or taxation advice.
This is based upon expected growth rate of the investments, inflation and management fees which have been input.