Growth
Growth can build on earlier growth. Real returns vary; a smooth calculator line is only an illustration.
ONE STEP AT A TIME
Your Money Journey
Four easy steps. Start with your monthly budget.
Use Next to keep going, or choose any step below.
0 of 4 stages explored
STAGE 1
Understand your money
See what is left after your costs. The starting figures are just an example.
Next: safety net →STAGE 2
Build your safety net
Accessible cash can cover an unexpected bill without needing to sell investments when markets are down. Your target depends on essential costs, income stability and responsibilities.
Check urgent bills and debt repayments alongside savings. A budget shortfall is a reason to review costs and seek support, not to take more investment risk.
Open Emergency Fund Builder →Next: investing →STAGE 3
Explore investing
For money you can leave invested, explore how different assumptions change the outcome. Investments can fall in value and you could get back less than you put in.
Growth, risk, inflation & fees
Risk
Spreading investments can reduce concentration risk, but does not remove the risk of loss.
Inflation
Rising prices reduce what a fixed amount of money can buy. Compare future values with today's money.
Fees
Charges leave less money invested and can reduce growth over time.
STAGE 4
Plan for retirement
Explore what regular contributions could mean for your future. Begin with the pension planner, then adjust the assumptions to see the range of possible outcomes.
Pensions, in plain English
A pension is a way to save for retirement. Employer contributions and tax relief may help, depending on the arrangement and eligibility. Pension money is usually restricted until pension access age, so it serves a different purpose from emergency cash.
Investment growth, fees and inflation affect a pension pot. A projected pot is not a guaranteed retirement income. Your State Pension and any defined-benefit pension are separate considerations.