Stocks and Shares ISA Calculator
Our ISA calculator can help you understand how much your savings could grow when saving with a Stocks and Shares ISA.
Important information - The value of your investments and the income from them can go down as well as up, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to one of Fidelity's advisers or an authorised financial adviser of your choice.
How the ISA calculator works
The forecast from this calculator is based on your input and is not a reliable indicator of future results. It will therefore not show what your investments will actually be worth. The growth figures shown assume annual service and fund charges of 1.1% and are net of these charges.
When using this tool, you need to select the rate of growth that you would like to see a projection for. Fidelity can’t advise you as to what a reasonable rate of growth would be for your investments - it depends on a number of different factors.
Important information about this calculator
This calculator is just for providing examples, it doesn’t show what your investments will actually be worth.
How we take charges into account
To make the examples (that you choose to see) a little more realistic, we’ve assumed some charges. This is just an example of charges - because what you will actually pay depends on how much you invest and what investments you choose so could be higher or lower than the example charge used here.
We’ve assumed you are investing in a fund to create the example charge. We’ve assumed a total charge of 1.1% a year. This includes both our fee, as well as a fund charge. Remember, if you are investing in a fund, you can check the charges you would pay in our online fund information.
The impact of inflation
The rates of growth and the chart are shown in pre-inflation (‘nominal’) terms.
The forecast does not directly take inflation into account. However, we believe that it is a good idea to consider the impact that inflation could have on the value of your money.
We believe that a reasonable long term assumption for inflation is around 2% each year. This means that for every year, each pound you have is worth 2% less. In some cases, this could mean that, even if your investment grows over time, the value of what you can buy with it becomes less.
Your regular savings
We assume any regular savings will be invested at the end of each month; we also assume that your payments will not increase over time (but you could do this if you wish).
Your taxes
We do not take tax into account for this forecast. While you may have to pay tax on any investments that do not sit within a tax-efficient wrapper like an ISA, Fidelity cannot guide you on this.
Selecting different growth rates
When using this tool, you need to select the rate of growth that you would like to see applied.
The range of rates available to use is wide and this is so that you can look at different return rate scenarios and see, in simple terms, what effect that has on investment returns.
There is no right or wrong rate to select because the return you may achieve when you invest is never known. This is illustrated by the following investment warning: “it is important to remember that the value of investments can fall as well as rise and you may get back less than you invested”.
The calculator is not trying to predict anything, it is simply allowing you to see how different rates of growth can affect an investment.
Factors that can influence actual returns include:
- How long you are invested for (investment returns can be volatile in shorter term)
- How much risk you are prepared to take
- The type of investments you choose (for example, shares or corporate bonds)
- The range of industries you invest into
- The geographical range you spread investment across
Your ISA checklist
Make sure you have the following information with you:
- Your National Insurance number
- Debit card details (for a single payment)
- Bank or building society details (if you’re planning on setting up a regular savings plan)
Transfer your ISA
Enter any single payments which you’re planning to make in the current tax year.
Enter the value of any existing ISAs you hold which you want the projection to take into account.
Select an example growth rate to see how well your investment might grow during the time period you have selected. But remember that these figures are based on your input and do not reflect what you will actually receive.
Opening an ISA
I want to know more about an ISA
Invest up to £20,000 each year into a tax-efficient Stocks and Shares ISA.
I want to open a new ISA
It’s easy to open an ISA online. Just enter your details and then choose from a regular savings plan or a one-off payment.
I want to transfer an ISA
Our straightforward transfer process makes it easy to bring your investments together.
New to investing?
Getting started is easy.
Download our ISA guide to learn more about how investing in an ISA works. It’s one of the best ways to put money aside for the long term.
Download our ISA guide
