{"id":379570,"date":"2021-03-12T18:48:48","date_gmt":"2021-03-12T18:48:48","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=379570"},"modified":"2025-02-26T11:34:32","modified_gmt":"2025-02-26T11:34:32","slug":"millionaire-calculator","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/millionaire-calculator","title":{"rendered":"Millionaire calculator: How long would it take to save a million?"},"content":{"rendered":"<p>We\u2019ve built a calculator that determines <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\">how long it\u2019ll take you to save<\/a> a million pounds, based on how much you currently have saved, how much you plan to save each month and the interest you hope to gain on your <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">investments<\/a> or via the interest rate on your savings account. Try it out to see if you could become a millionaire any time soon. <\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block cardmenu\"><h4>What do you want to see?<\/h4><div class=\"u-grid u-grid--gutterSmall\"><div class=\"u-grid__col u-1\/2 u-1\/2@s no-padding-bottom\"><div class=\"has-padding-bottom-x-small\"><a href=\"#gender\" class=\"scroll luna-button luna-button--primary luna-button--fluid\" type=\"button\">Millionaire calculator<\/a><\/div><\/div><div class=\"u-grid__col u-1\/2 u-1\/2@s no-padding-bottom\"><div class=\"has-padding-bottom-x-small\"><a href=\"#budget\" class=\"scroll luna-button luna-button--primary luna-button--fluid\" type=\"button\">Budgeting for a million<\/a><\/div><\/div><\/div><\/div><\/article>\n\n<article class=\"luna-card luna-card--border\">\n<div class=\"luna-card__block\" id=\"first\" style=\"display: block;\">\n<form class=\"luna-form\" name=\"form\" id=\"form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n<legend class=\"luna-legend\">Millionaire Calculator<\/legend>\n<p class=\"has-margin-bottom\">Find out how long it would take to become a millionaire!<\/p>\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label\" for=\"current\">How much do you currently have saved?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\"> \u00a3 <\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" id=\"current\" required>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label\" for=\"plan\">How much are you planning to save each month?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" id=\"plan\" required>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label\" for=\"interest\">What rate of interest do you hope to earn annually?<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"any\" id=\"interest\" required>\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"luna-form__group\">\n<div class=\"luna-form__actions\">\n<button id=\"button\" onclick=\"reveal()\" class=\"luna-button luna-button--primary\">Calculate<\/button>\n<\/div>\n<\/div>\n<\/fieldset>\n<\/form>\n<div id=\"result\" style=\"display: none;\"><\/div>\n<\/div>\n<\/article>\n\n\n\n\n\n\n<script>\n  \nfunction calc(){\n  \nvar current = Number(document.getElementById(\"current\").value);\nvar plan = Number(document.getElementById(\"plan\").value);\nvar interest = Number(document.getElementById(\"interest\").value);\nvar result = document.getElementById(\"result\");\nvar interestmonthly = interest \/ 100 \/ 12;\nvar months = 0;\nvar monthstomillion = 2400;\nvar millionyear = 0;\nvar capital = Number(current);\nvar d = new Date();\nvar currentyear = d.getFullYear();\nvar currentmonth = d.getMonth() + 1;\nif (interest > 0 || capital > 999999 || plan > 0) {\nwhile (months < monthstomillion && months < 2400) {\ncapital = capital + (capital * interestmonthly) + plan;\nmonths++;\nif (capital > 999999) {\nmonthstomillion = months;\nbreak;\n}\n}\n}  \nif ((monthstomillion + currentmonth) > 12) {\nmillionyear = currentyear + Math.ceil((currentmonth + monthstomillion) \/ 12);\n} else {\nmillionyear = currentyear;\n}\nif (monthstomillion < 1200) {\nresult.innerHTML = \"Based on your current saving habits, you could become a millionaire by \" + millionyear + \".\";\nresult.style.display = 'inline'; \n} else {\nresult.innerHTML = \"Based on your current saving habits, you will not become a millionaire in the next 200 years. Sorry.\";\nresult.style.display = 'inline'; \n}\noutput.classList.remove(\"is-hidden\");\n}\n\ndocument.getElementById('button').addEventListener(\"click\", function(event) {\nevent.preventDefault();\ncalc();\n});\n\n<\/script><h4 id=\"budget\">Best ways to budget to reach a million<\/h4><p>According to <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/saving-statistics\">our research into savings<\/a>, the average adult in the UK had \u00a316,067 in savings in 2025. Based on an interest rate of 2.62%, which is the average instant acacess savings rate in January 2025, the average Brit would save up to a million pounds by 2114 (so less than 100 years!). However, this does assume you never spend any of these savings on any big life purchases, such as buying a house or having a wedding. <\/p><p>For expert tips on how to boost your savings, check out our video below:<\/p><div class=\"has-margin-bottom-large\"><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"ErUfD0auvvo\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/ErUfD0auvvo\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/ErUfD0auvvo\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/ErUfD0auvvo\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">12:04<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-ErUfD0auvvo\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Methodology<\/h3><p>Finder analysts built the calculator by using a mathematical formula to calculate whether users will be able to save up to a million pounds within the next 200 years. This formula relies on the interest rate on users\u2019 saving accounts, their monthly savings and their current savings amount.<\/p><\/div><\/article><script type=\"text\/javascript\">\n    function addLink() {\n    var body_element = document.getElementsByTagName('body')[0];\n    var selection;\n    selection = window.getSelection();\n    var k = document.location.href\n    var pagelink = \"<br><br> Source: \";\n    var finder = \"finder.com\"\n    var ke = (finder.link(\"https:\/\/www.finder.com\/uk\/\"));\n    var pagelink2 = \"<br> Analysis conducted by finder.com\";\n    var copytext = selection + pagelink + (k.link(document.location.href)) + pagelink2;\n    var newdiv = document.createElement('div');\n    newdiv.style.position='absolute';\n    newdiv.style.left='-99999px';\n    body_element.appendChild(newdiv);\n    newdiv.innerHTML = copytext;\n    selection.selectAllChildren(newdiv);\n    window.setTimeout(function() {\n    body_element.removeChild(newdiv);\n    },0);\n    }\n    document.oncopy = addLink;\n    <\/script>\n  <div data-tags=\"scale-surveys product-data-insight\">\n<h4>Click <a href=\"https:\/\/www.finder.com\/uk\/stats-facts\">here<\/a> for more research. For all media enquiries, please contact \u2013<\/h4>\n\n<p><strong>Matt Mckenna<\/strong><br>\nUK Head of Communications<br>\n<strong>T:<\/strong> +44 20 8191 8806<\/p>\n\n<div class=\"has-margin-bottom\"><a title=\"email Matt\" href=\"mailto:matt.mckenna@finder.com\" class=\"has-margin-right-xsmall\"><svg class=\"luna-icon\"><use xlink:href=\"#mail-fill\" width=\"24\" height=\"24\"><\/use><\/svg><\/a><a title=\"Finder UK (@findercomUK) on X\" href=\"https:\/\/twitter.com\/findercomUK\" target=\"_blank\" class=\"has-margin-right-xsmall\" rel=\"noopener\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><use xlink:href=\"#f1-x\"><\/use><\/svg><\/a><a title=\"Matt Mckenna on LinkedIn\" href=\"https:\/\/www.linkedin.com\/in\/matthewmckenna2\/\" target=\"_blank\" class=\"has-margin-right-xsmall\" rel=\"noopener\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><use xlink:href=\"#f1-linkedin\"><\/use><\/svg><\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Use our calculator to find out how long it would take you to save up a million pounds based on the interest on your savings account.<\/p>\n","protected":false},"author":645,"featured_media":381235,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"","related_url":"\/millionaire-calculator","footnotes":""},"categories":[1181],"tags":[],"asset_tag":[],"class_list":["post-379570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings-accounts"],"apple_news_notices":[],"yoast_head":"<!-- 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