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Path-to-£1M calculator

How long does it take a regular saver to reach a £1,000,000 portfolio?

Starting balance (£)

Monthly saving (£)

Expected real return (% p.a.)

Net of fees; 4-7% is plausible for a diversified portfolio

Years to £1M

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Enter values above to calculate.

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Real (inflation-adjusted) returns. Historical UK equity real returns have averaged around 5%, but with substantial variance. Tax wrappers (ISA, pension) make a material difference — we can structure your saving for the most efficient outcome.

Tool maintained by Studio Woodlark — a sub-brand of Woodlark Associates Ltd. Rates and bands subject to change. Provided for guidance; not a substitute for advice.