Savings Calculator

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  • I have {{ depositStartFormatted }} in current savings edit
  • I am looking to save {{ depositAmountFormatted }} every {{ savingParams.depositFrequency }} edit
  • I will keep it linked to inflation edit
  • I will not link deposits to inflation edit
  • I will be saving for {{ savingParams.termLength }} {{ savingParams.term }} edit
  • I want it in a {{ savingParams.risk }} risk plan edit
  • Change your answers here if you want
It’s always a good idea to think ahead. Whether you’re saving to buy a property, pay for a wedding or putting some money aside for a rainy day, our savings calculator can help. Just enter the amount you would like to achieve and the regular payments you’re aiming for, and we’ll calculate how close you are to achieving your goal.
I am looking to save
I have in current savings
I am looking to save every
I will keep my {{depositAmountFormatted }} a {{savingParams.depositFrequency}}

What is inflation?
Inflation measures how much the costs of everyday goods and services go up over time and as a result, how much the value of money goes down. For example, in 1960 you could buy an average house for around £2,500, while today the average house price is nearly 100 times more expensive. That’s why investing your money can help preserve your long-term spending power.

So if you want to save up for something several years in the future, it might be worth linking your monthly savings above to inflation to give you a more realistic idea of how long it will take you to reach your goal. If your savings goal is shorter-term, you might choose to link your savings to today’s value.

I will be saving for
I would like to put my savings in a

Lower risk - This type of strategy may be attractive for people wanting to protect their savings while offering room for their money to grow. Investments in this category carry risk but seek to minimise it.
Medium risk - This type of strategy is designed to grow money steadily over the long term. These strategies carry risk, and usually invest in a mix of different assets to diversify the risks of investing while still growing investors’ money.
Higher risk - Higher risk strategies can be considered for investors seeking to grow their savings significantly over the long-term. While these strategies increase the opportunity for growth, investors must be able to cope with more significant falls in the value of their savings, while remaining focussed on their long-term goals.

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You will meet your target

You will fall short of your target

You will fall short of your target

Based on your data and our calculations you will save

{{totalFormatted}} after {{savingParams.termLength}} years

You’re on track to achieve your savings target. But simple changes to your saving and investing habits can help you reach your target more quickly or increase the size of the overall pot. Speak to our financial planners today. 

You're almost there – contact our financial planners and we'll make sure you're back on track in no time. You'll need to start saving a little more each month or give yourself a bit more time to reach your goals.

You're not yet on track for reaching your goals, but our financial planners can talk you through your options. Consider saving more each month, changing your investment strategy or delaying your plans if you can. 

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What’s your number?

You can find out more about the UK’s saving habits and what we think about investing in our latest research report.


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If we are unable to call you at your preferred time, we will endeavour to do so on the following working day.

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Thank you for your enquiry. You’re now a step closer to achieving your financial goals!
One of our investment experts will be in touch shortly or at the time you specified on the call back form.
If you would like to change the time of your call or if you would like to speak to someone immediately, please call 0117 975 2125 and one of our Wealthsmiths will be able to help.
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  • Important information about the calculator

    These figures are only illustrative and provide only a simple snapshot of your investments.  It is not a personal recommendation based on your individual financial circumstances. The illustration is no substitute for regulated financial advice.

    The value of investments and any income from them can fall and you may get back less than you invested. Past performance is no guide to future returns.

    This illustration shows the potential value of your investments in today's prices, adjusted for inflation.  We assume inflation to be 2% per annum.

    Other financial assumptions are

    • 2% Low growth rate before inflation

    • 5% Mid growth rate before inflation

    • 8% High growth rate before inflation

    • 0.5% Annual investment management charge

    The level of contributions, investment returns, management charges, tax factors, inflation and period of investment will all affect the value of your investments.  As such, these figures are not guaranteed.

    These figures do not take account of income tax, including tax relief on pension contributions, capital gains tax or pensions annual or lifetime allowances. No account is taken of any State Pension you may be entitled to.

Using the savings calculator

Our lives are governed by numbers, from the time we wake up in the morning to which platform our train is on. When it comes to your money, you’ll often have a specific number in mind when thinking about your financial goals. Whether you’re saving for later life or the holiday of a lifetime, it’s essential to have a plan in place.

It’s also important to bear in mind the impact inflation could have on your money, as whatever you’re saving for today is probably going to cost more in a few years. We’ve designed our savings calculator to make it easy for you to work out if you’re on track to meet your goals.

Calculating how often you’ll save

Our calculator can help you decide how regularly you should be saving – will you choose to save or invest a lump sum or put some money away on a monthly basis? The length of time you have to reach your goals will have a big impact on how much you need to save. It’s important to be realistic about the amount you’ll be able to save, and how often.

Investing in your future

Whether you are on track to reach your savings goal or still have some way to go, we’ll help talk you through your options. We can work with you to create an investment portfolio that’s aligned with your needs and circumstances. The starting point is a discussion with one of our wealth planners where you can tell us about your financial situation, priorities, life goals and attitude to risk.

Investing is a long-term process that requires patience and commitment – and keeping calm when markets fluctuate, as they inevitably will. Our financial planners can help you craft a plan using investments aligned to your particular goals, giving you the confidence that your finances are under control.


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The value of investments and any income from them can fall and you may get back less than you invested.