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Small choices · Your pace

The Little Things Calculator

Discover what small changes could mean over time.

Your money should support both the life you enjoy today and the future you're building.

Your little things

Add the things you buy, then choose how many you'd like each month. Prices are editable examples.

Investment & inflation options

5% growth and 0.5% fees are editable illustrations, not forecasts.

2% is an example, not a forecast. Prices and monthly savings stay fixed in this model.

Your small change, in numbers

Current spending

per month

per year

Potential saving

per month

per year

Long-term values and chart

Total spending reduction

Illustrative investment value

Your choices over time

● Money set aside (no interest)┅ Investment illustration

Savings over timeUse the year slider or the table below for exact values.

View the yearly figures
Yearly values
YearSet asideInvested

Enjoy today. Make room for tomorrow

You choose what feels worthwhile. Reducing spending creates room in a budget; the money only builds up if you actually set it aside.

Saving and investing are different

Cash savings can suit money you need soon. Investing puts money at risk: you could get back less than you put in. Consider accessible emergency savings and expensive debts before investing.

Growth, fees and inflation

Investment growth can build on earlier growth, but returns fluctuate. Fees reduce what remains invested. Inflation reduces the buying power of money; today's-money figures help you compare that buying power.

How these illustrations work
  • All item counts are per month. Current spending minus planned spending gives the combined monthly saving. Count each purchase only once, including when adding a custom expense.
  • Costs and monthly savings stay fixed. No price increases, cash interest, tax, initial balance or withdrawals are included.
  • Planned counts range from zero to your current count. If you lower the current count, a higher planned count is lowered to match. Each category can be added once; removing it excludes it from every total.
  • All savings are set aside or invested at each month-end. The investment model uses smooth effective annual growth, with proportional fees: monthly factor = ((1 + return) × (1 − fee)) raised to 1/12. Percentage inputs are divided by 100.
  • Today's money divides each year's accumulated balance by (1 + inflation) raised to that year. The set-aside line is the buying power of a cash pot with no interest, not a sum of individually discounted purchases.
  • Annual investment fees are ignored when the investment comparison is off. Displayed pounds are rounded; calculations retain precision. These are illustrations, not personal financial advice or guaranteed outcomes.

Learn more: MoneyHelper: saving and investing · FCA: questions before investing. Guidance checked 30 October 2026. External links need an internet connection.