This calculator provides examples of potential returns at different estimated growth rates. All values shown are examples only and are not guaranteed. Actual results may vary. The value of a stocks and shares ISA can fall as well as rise, and you may get back less than you invested.
Investment breakdown
1. Enter the amount you will initially invest in your stocks and shares ISA.
2. Enter the amount you plan to contribute monthly to your stocks and shares ISA. If you plan to contribute yearly or every 6 months, you can work out what this would equate to each month.
3. Enter how long you plan to invest the money for (or the time frame after which you want to estimate your returns).
4. Enter your estimated average annual growth rate. If you’re not sure, the average annual return on a stocks and shares ISA over the past 5 years has been 6.37%. Just remember, past performance isn’t a guarantee of future returns, and a stocks and shares ISA can fall in value too.
4. Enter the annual fee charged by your stocks and shares ISA provider. Other fees may apply but this will give an estimate of your fee charges.
5. Press calculate to get an estimate of your stocks and shares ISA value. Remember that this can only ever be an estimate based on expected growth rates.
The calculator will give you an estimate of how much your stocks and shares ISA could be worth in total after a set number of years, depending on how much you contribute and the overall yearly performance of your ISA.
It breaks down the amount you have invested, as well as the return on your investment and the fees you pay.
The calculator assumes that interest is compounded monthly and there is no delay in transferring funds. It’s an estimate, so you should always check with the provider directly.
A stocks and shares ISA is a type of investment account where you can hold investments within an ISA wrapper, which means you don’t have to pay any additional UK tax.
However, there’s a limit to the amount you can place into any ISAs in a tax year. For the 2025/2026 tax year, the ISA allowance is £20,000.
The value of investments can fall as well as rise, and you may get back less than you invested. Past performance is no guarantee of future results. A stocks and shares ISA may not be right for everyone and tax rules may change in the future. If you are unsure if an ISA is the right choice for you, please seek independent financial advice.
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