Interest Saved
—
By overpaying monthly
Term Reduced
—
Years knocked off
Monthly Payment
—
Standard repayment
Guaranteed Return
—
Risk-free equivalent
💡 Overpaying your mortgage gives a guaranteed, risk-free return equal to your interest rate. At high rates (5%+) this often beats cautious investments after tax. Most lenders allow up to 10% overpayment per year without early repayment charges — check your terms.
Total Pension Pot
—
At retirement
Tax-Free Lump Sum
—
25% (up to £268,275)
Net Monthly Cost
—
After tax relief
Free Money/Year
—
Relief + employer match
🌱 Existing Pot Grown To
—
Your current pot compounded at stated return
➕ New Contributions Add
—
From ongoing monthly contributions
💡 Higher-rate taxpayers reclaim an extra 20% via Self Assessment on top of the 20% added at source. Combined with employer matching, the pension is typically the most powerful wealth-building tool available. Funds are locked until age 57 (rising from 55 in 2028).
Total ISA Pot
—
Fully tax-free growth
Real Value (Inflation)
—
Purchasing power today
Annual Contribution
—
Of £20,000 annual limit
Total Growth
—
Gain above new contributions
🌱 Existing Pot Grown To
—
Your current ISA compounded at stated return
➕ New Contributions Add
—
From ongoing annual contributions
💡 Stocks & Shares ISAs offer fully flexible access — withdraw any time with no tax on gains or dividends. Annual allowance is £20,000 across all ISA types combined. No employer match or tax relief, but no lock-in. Your LISA contributions count toward this £20,000 limit.
⚠️ LISA not available at your age. You must be aged 18–39 to open a Lifetime ISA. Contributions can be made until age 50 and accessed from age 60 (or for a first home purchase up to £450,000). Adjust the age slider to see LISA projections.
Total LISA Pot
—
With government bonus
Government Bonus
—
25% on up to £4,000/yr
Bonus Years Left
—
Until age 50 cutoff
Real Value
—
Inflation-adjusted
🌱 Existing Pot Grown To
—
Your current LISA compounded at stated return
➕ New Contributions Add
—
From ongoing contributions + bonus
💡 LISA Rules: Max contribution is £4,000/year (max £1,000/yr government bonus). Must be opened before age 40. Contributions accepted until age 50. Withdraw penalty-free only for: (1) purchasing your first home (max value £450,000), or (2) retirement from age 60. Any other withdrawal incurs a 25% penalty — which costs you more than your bonus. LISA contributions count towards your £20,000 annual ISA allowance.
Pension — Nominal
—
At stated return rate
Pension — Real
—
Purchasing power today
ISA — Nominal
—
At stated return rate
ISA — Real
—
Purchasing power today
LISA — Nominal
—
At stated return rate
LISA — Real
—
Purchasing power today
Mortgage Saving — Nominal
—
Interest actually saved
Mortgage Saving — Real
—
Inflation-adjusted
What inflation does to your money
💡 At 2.5% inflation, £100,000 today is worth only £78,120 in purchasing power in 10 years. Your returns need to beat inflation. Pensions and ISAs invested in global equities have historically returned 4–6% above inflation over the long run, but past performance is no guarantee.