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£500 a Month Into an ISA for 30 Years

Illustrative growth of £500 paid into an ISA every month for 30 years, at a few typical annual returns. All growth inside an ISA is tax-free.

Return RateContributedGrowthFinal Value
3%£180,000£112,097£292,097
5%£180,000£237,863£417,863
7%£180,000£433,544£613,544

At 5% a year (illustrative)

Amount Contributed£180,000
Growth (tax-Free)£237,863
Final ISA Value£417,863

Add a starting balance or your own fees

£
£
%
yrs

ISA growth

Estimated Final ISA Value

£89,026

Starting Balance£5,000
Amount Contributed£54,000
Estimated Growth£30,026
Final ISA Value£89,026

Year-by-year balance

Year 0
£5,000
Year 1
£8,937
Year 2
£13,065
Year 3
£17,393
Year 4
£21,931
Year 5
£26,690
Year 6
£31,680
Year 7
£36,912
Year 8
£42,398
Year 9
£48,150
Year 10
£54,181
Year 11
£60,506
Year 12
£67,137
Year 13
£74,090
Year 14
£81,381
Year 15
£89,026

Assumes a fixed annual return, net of fees, compounded monthly for the whole period. Real investment returns vary year to year. The current annual ISA allowance is £20,000.

About this estimate

This projection compounds monthly at a fixed rate for the full term, starting from £0 with no fees. All growth and income inside an ISA is tax-free, so no tax is deducted from these figures. Real investment returns vary year to year, and platform or fund fees typically reduce net growth slightly.

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Use the full calculator for your actual balance, fees and term.

ISA Growth Calculator