Estimate how your money can grow over time using starting savings, monthly contributions and an annual interest rate. Compounding is calculated monthly for the most accurate results.
These figures are broad historical averages from roughly 2005–2025 where available. Past performance does not predict future results. Volatility shows how much an asset’s value typically rises and falls.
| Asset Type | Annual Returns | Volatility |
|---|---|---|
| UK Bank Savings | 2%–4% | ~0% |
| Cash ISA | 3%–5% | ~0% |
| UK Housing | 3%–5% | ~5% |
| Global Stock Market | ~7% | ~15% |
| Gold | ~8% | ~15% |
| S&P 500 | ~10% | ~18% |
| Microsoft Stock | ~27% | ~30% |
| Bitcoin | 70%–90% | Extremely high |
| US 10-Year Treasuries | 3%–5% | ~8% |
| Actively Managed Funds | Varies | Depends on strategy |
These figures are for educational use only and do not represent predictions or personalised advice. Values are based on market averages and do not always represent real market behaviour.
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| Year | Contributions | Interest | Ending Balance |
|---|