UK savings compound calculator

See how much your money actually grows in a UK savings account over time. Compounded monthly. Tax-free if you use an ISA wrapper.

Initial deposit £10,000

Monthly contribution £200

Interest rate (AER) 4.5%

Years 5

Account type

Final balance

£0

After tax, after compounding monthly.

Total contributions: £0

Total interest earned: £0

Tax paid: £0

Effective annual return: 0%

Important: This calculator uses the rate you input compounded monthly and applies UK tax assumptions for taxable accounts (Personal Savings Allowance: £1,000 for basic-rate, £500 for higher-rate, £0 for additional-rate). Real returns depend on actual provider rates, which change. ISAs assume you're within the £20,000 annual allowance. Not financial advice.