The compounding calculator

See what your money could grow into.

Your numbers, three routes, no sign-up.

Your numbers

Rough figures are fine. Type a number or drag the slider.
£
£
years
Compare three routes. Tap one to see it in detail.
Your own rate 7%

£0

More than the average investor £0

of the total is growth

lost by starting a year later

FreeAbout 30 seconds

Now make it yours

Six questions, one private page.

Free, no obligation

Why most people earn 3.6%

What most people miss

The easy path costs more over time.

£10,000 over 20 years

3.6% and 9.5% are 20-year averages to 2021 (Dalbar, via J.P. Morgan). 15% is the Like a Tortoise target, not a promise.

Your investment thesis

Your goal, your thesis

Pick a goal to see its thesis.

Every thesis uses the 4Ms

FreeAbout 30 seconds

Your free lifetime projection

Built on your age, goal and target.

  • When you'd hit your target
  • What learning alone costs
  • What waiting a year costs
  • What your portfolio could pay

An example projection

Your routes

Sarah reaches £1m at 58

Learning alone

Learning alone costs

£504,837
Your goal

Income from her portfolio

Eduardo Figueira

Who's behind this

Meet Eduardo

He lost £10,000 learning alone.

Now he teaches the method he built.

Process over predictions Long term, not quick wins No crypto or day trading Never holds your money
FreeAbout 30 seconds

Build your projection

Free, private and about 30 seconds.