How much are you thinking of investing?
To help you see how your money could grow, use our calculator to show you a range of possible amounts based on the information you give us and a few assumptions. Our estimates about your returns aren’t guaranteed, but we hope they help.
You can choose to invest with a one-off payment, regular monthly payment, transfer/s from existing investment account/s, or a combination of these.
Remember, the value of investments can go up and down, so you may get back less money than you put in. Tax depends on your individual circumstances and the regulations may change in the future.
Ready to apply?
If you know enough about our Stocks and Shares ISA and just want to get going, click below.
Choose your approach
More about our assumptions
Close ModalWhat you’ll pay in
We assume you’ll keep making the same regular payments throughout the time you’re investing with us.
ISA allowance and tax
We assume the annual ISA allowanceThe ISA allowance is the maximum amount you’re allowed to put into an ISA, during a tax year. In this current tax year, you can invest up to £20,000. will stay the same. So, we cap your annual payments at that level even if you tell us you want to pay more. We also assume there’ll be no tax implications for taking your money out.
Imagining the future
We consider past performance when estimating possible outcomes for your investment based on how much you invest, for how long and how the market might perform. However, past performance isn’t a reliable guide to future performance – investments can go up or down.
To work out this estimate we do lots of calculations behind the scenes. To keep it reasonable, we ignore both the highest and lowest 5% of results when we show you the estimated value rangeWhat your investment could be worth. and the low and high selected market scenarioHow stock markets perform generally..
Cash returns
To estimate the equivalent potential cash returns we based our forecast returns from a cash (or near cash) investment fund. This simulates the effects of holding cash as an asset, instead of holding cash with a bank.
Considering inflation
We show what your investment might be worth in today's money, after allowing for inflation. We consider lots of possibilities for inflation, rather than a single fixed % because the rate of inflation can rise and fall over time. Inflation reduces the value of what you can buy in the future as well as the value of your savings.
Deducting our charges
We remove our two charges (Account Charge and Annual Management Charge) from the returns as we calculate your estimate, assuming they’ll stay the same throughout the time you’re investing with us.
Rounding things off
Finally, we round our estimates down a bit, just to make the numbers a bit easier to read — remember they’re only a guide.
So that’s how we work out your estimate.
Remember, these are only indications. What you get back will depend on how the funds perform, if you make changes to the length of time you’re investing, and if you change the amount you put in.