Investment Return Calculator
The headline gross return is rarely what you keep. Subtract fees and inflation for the real figure.
Updated May 2026, using HMRC 2026/27 rates and current ONS / gov.uk figures.
Type your start and end values to get the percentage gain. For real return, subtract CPI; for net of fees, subtract OCF + platform fee.
Worked examples
£10,000 to £14,000 over 5 years = 40% gross. Annualised: 7.0%.
That 7% − 0.5% fees = 6.5%. − 3% CPI = 3.5% real return.
Frequently asked questions
Is past performance a guide?
FCA rules require all investment marketing to say no — and they're right. Use historical figures only as a base rate, not a forecast.