Savings & Investment
ISA, LISA, compound interest, real return and the UK Personal Savings Allowance.
Calculators using current UK ISA allowances, LISA bonus rules, NS&I figures and ONS CPI for real-return adjustments.
- Compound interestFV = P × (1+r/n)^(n×t)
- ISA growth£20k allowance compounded.
- Junior ISA£9k JISA allowance.
- LISA bonus25% government bonus to age 50.
- Real returnNominal − CPI.
- Savings goalReverse-solve for monthly contribution.
- Rule of 72Doubling time shortcut.
- OCF impactFund-fee compounding cost.
- Investment returnGross, net of fees, real.
- Premium BondsNS&I prize fund rate.
- Inflation impactONS CPI.
- Personal Savings Allowance£1k / £500 / £0 by tax band.