What does the calculator show?Our simple calculator shows you how much an Investment ISA could be worth in the future. You can use it to see the range of possible returns if it grows at one of three example rates of growth of 2%, 5% and 8%. Our Goal calculator shows how much you'd need to invest regularly to meet your target over a set time period.

What is an ISA?ISAs are a great way to invest, as any gains or income are free from personal tax. There's an annual ISA allowance, which allows contributions to a stocks and shares ISA, cash ISA, and innovative finance ISA. The ISA allowance for this tax year is £20,000 and you can decide whether to invest or save into any combination of the three, as long as you don't exceed the annual allowance.

Alternatively you can split your allowance by investing up to £4,000 in a Lifetime ISA and the remaining allowance between any combination of the other three types of ISA, as long as you don’t exceed £20,000 in total across your ISAs.

Important InformationThese illustrations are not guaranteed and projections are not a reliable indicator of future performance. The value of an investment can fall as well as rise and you could get back less than you originally invested. The impact of inflation is not included in the calculation. If the rate of inflation is higher than the rate of growth on your investment then, in real terms, your money will reduce in value. If you're in any doubt about making your own investment decisions, we recommend you seek advice from a suitably qualified financial advisor. Tax treatment depends on your personal circumstances and may change in the future.

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When can I take my money out?

You should be prepared to hold investments for the medium to long term (that’s at least 5 to 10 years). However, you can make withdrawals at any time but you may get back less than you originally invested.

What are the charges?

The values illustrated in the projections assume the deduction of annual ongoing charges of 1%. This is to cover the cost of managing an Investment ISA. This figure is illustrative only and if you apply for an Investment ISA the actual charges may be higher or lower than this figure.