Your savings preview – Save Our Savings

Illustrative example

£10,000 start · £200 a month · 25 years · 1% fee

Your savings

Final fund value

148,596

+112.3%

Longevity

Not configured

Fund growth over time

Gross fund value

Net after fees & tax

After fees & tax deducted

How much your savings have earned

Gross returns

115,150

+164.5%

Total fees deducted from your earnings

Total fees over period

−16,905

+17.2%

Fees as a share of what you earned

Fees vs gross return

14.7%

Estimated tax liability so far

Tax liability so far

−19,649

+17.1%

Win or loss vs inflation

Net real return vs inflation

+1,217

Average value of your savings over 25 years

55,825

Average value required to keep pace with inflation

54,608

Real return premium

1.74%

Ahead by 2.2%

What you'd have if you'd kept cash instead

YE value of uninvested cash after inflation

49,206

99,390 less than your fund

How hard is your money working?

Real return on capital employed

(Adjusted for inflation)

2.23%

Return on capital employed

(Not adjusted for inflation)

84.75%

Money is working for you

Total capital you put to work

Contributions minus withdrawals

70,000

What your capital earned per year

Annualised net return after fees & tax

4.49%

Inflation Race

Beating inflation 25 / 25 years

BestYr 25+3,220

WorstYr 1+281.73

Avg+1,499/yr

Here's how inflation reduces the real value of your savings each year

The value of your savings after fees and tax deducted

Your savings need to achieve this value to stay ahead of inflation

Value of uninvested funds reducing with inflation

Investing beats doing nothing by

+99,390

Yearly breakdown

Initial investment: 10,000.00

Years	Initial Investment	Additional Payments	Total Funds Invested	Assumed Gross Return / Interest	Gross Return Before Fees and Charges	Total Fees and Charges	Fees and Charges	Net Return After Fees and Charges	Tax	Net Return After Fees and Tax	Funds for Next Years Investment	Valuations - Fund at YE	Rate of Inflation	Funds Required to Keep Pace with Inflation	YE Value of Uninvested Cash After Inflation	YE Win or Lose vs Growth Inflation	Win or Lose vs Cash Inflation
1	10,000.00	2,400.00	12,400.00	7.00%	868.00	1.00%	128.34	739.66	147.93	591.73	12,991.73	12,991.73	2.50%	12,710.00	12,090.00	281.73	901.73
2	12,991.73	2,400.00	15,391.73	7.00%	1,077.42	1.00%	148.69	928.74	185.75	742.99	16,134.72	16,134.72	2.50%	15,776.52	14,127.75	358.19	2,006.97
3	16,134.72	2,400.00	18,534.72	7.00%	1,297.43	1.00%	181.51	1,115.92	223.18	892.74	19,427.46	19,427.46	2.50%	18,998.08	16,114.56	429.37	3,312.90
4	19,427.46	2,400.00	21,827.46	7.00%	1,527.92	1.00%	215.94	1,311.98	262.40	1,049.59	22,877.04	22,877.04	2.50%	22,373.14	18,051.69	503.90	4,825.35
5	22,877.04	2,400.00	25,277.04	7.00%	1,769.39	1.00%	252.01	1,517.38	303.48	1,213.91	26,490.95	26,490.95	2.50%	25,908.97	19,940.40	581.98	6,550.55
6	26,490.95	2,400.00	28,890.95	7.00%	2,022.37	1.00%	289.80	1,732.57	346.51	1,386.05	30,277.00	30,277.00	2.50%	29,613.22	21,781.89	663.78	8,495.11
7	30,277.00	2,400.00	32,677.00	7.00%	2,287.39	1.00%	329.39	1,958.00	391.60	1,566.40	34,243.41	34,243.41	2.50%	33,493.93	23,577.34	749.48	10,666.06
8	34,243.41	2,400.00	36,643.41	7.00%	2,565.04	1.00%	370.86	2,194.17	438.83	1,755.34	38,398.74	38,398.74	2.50%	37,559.49	25,327.91	839.25	13,070.84
9	38,398.74	2,400.00	40,798.74	7.00%	2,855.91	1.00%	414.32	2,441.60	488.32	1,953.28	42,752.02	42,752.02	2.50%	41,818.71	27,034.71	933.31	15,717.31
10	42,752.02	2,400.00	45,152.02	7.00%	3,160.64	1.00%	459.84	2,700.80	540.16	2,160.64	47,312.67	47,312.67	2.50%	46,280.82	28,698.84	1,031.84	18,613.82
11	47,312.67	2,400.00	49,712.67	7.00%	3,479.89	1.00%	507.53	2,972.36	594.47	2,377.89	52,090.55	52,090.55	2.50%	50,955.48	30,321.37	1,135.07	21,769.18
12	52,090.55	2,400.00	54,490.55	7.00%	3,814.34	1.00%	557.49	3,256.85	651.37	2,605.48	57,096.04	57,096.04	2.50%	55,852.82	31,903.34	1,243.22	25,192.70
13	57,096.04	2,400.00	59,496.04	7.00%	4,164.72	1.00%	609.83	3,554.89	710.98	2,843.92	62,339.95	62,339.95	2.50%	60,983.44	33,445.75	1,356.51	28,894.20
14	62,339.95	2,400.00	64,739.95	7.00%	4,531.80	1.00%	664.66	3,867.13	773.43	3,093.71	67,833.66	67,833.66	2.50%	66,358.45	34,949.61	1,475.21	32,884.05
15	67,833.66	2,400.00	70,233.66	7.00%	4,916.36	1.00%	722.11	4,194.25	838.85	3,355.40	73,589.06	73,589.06	2.50%	71,989.50	36,415.87	1,599.56	37,173.19
16	73,589.06	2,400.00	75,989.06	7.00%	5,319.23	1.00%	782.29	4,536.94	907.39	3,629.55	79,618.61	79,618.61	2.50%	77,888.78	37,845.47	1,729.83	41,773.14
17	79,618.61	2,400.00	82,018.61	7.00%	5,741.30	1.00%	845.34	4,895.96	979.19	3,916.77	85,935.38	85,935.38	2.50%	84,069.07	39,239.34	1,866.30	46,696.04
18	85,935.38	2,400.00	88,335.38	7.00%	6,183.48	1.00%	911.39	5,272.08	1,054.42	4,217.67	92,553.05	92,553.05	2.50%	90,543.76	40,598.35	2,009.28	51,954.69
19	92,553.05	2,400.00	94,953.05	7.00%	6,646.71	1.00%	980.59	5,666.12	1,133.22	4,532.90	99,485.94	99,485.94	2.50%	97,326.87	41,923.39	2,159.07	57,562.55
20	99,485.94	2,400.00	101,885.94	7.00%	7,132.02	1.00%	1,053.09	6,078.93	1,215.79	4,863.14	106,749.08	106,749.08	2.50%	104,433.09	43,215.31	2,315.99	63,533.77
21	106,749.08	2,400.00	109,149.08	7.00%	7,640.44	1.00%	1,129.04	6,511.40	1,302.28	5,209.12	114,358.20	114,358.20	2.50%	111,877.81	44,474.93	2,480.39	69,883.27
22	114,358.20	2,400.00	116,758.20	7.00%	8,173.07	1.00%	1,208.60	6,964.47	1,392.89	5,571.58	122,329.78	122,329.78	2.50%	119,677.16	45,703.05	2,652.62	76,626.72
23	122,329.78	2,400.00	124,729.78	7.00%	8,731.08	1.00%	1,291.96	7,439.12	1,487.82	5,951.30	130,681.08	130,681.08	2.50%	127,848.02	46,900.48	2,833.05	83,780.60
24	130,681.08	2,400.00	133,081.08	7.00%	9,315.68	1.00%	1,379.29	7,936.39	1,587.28	6,349.11	139,430.19	139,430.19	2.50%	136,408.10	48,067.97	3,022.08	91,362.22
25	139,430.19	2,400.00	141,830.19	7.00%	9,928.11	1.00%	1,470.78	8,457.34	1,691.47	6,765.87	148,596.06	148,596.06	2.50%	145,375.94	49,206.27	3,220.12	99,389.79