Is the ISA transfer calculator accurate?

The ISA transfer calculator is not a personal recommendation and is not a guaranteed value for what you might get in the future. The calculator is purely for educational purposes and is designed to provide you with an estimated projection of what your future value could be.

What assumptions have been made with the ISA transfer calculator?

Growth rate: 5.00%
Inflation: 2.50%
Fees: 0.68%
Net growth rate: 1.87%
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What information is required for the ISA transfer calculator?

To get an ISA projection, all you need to do is tell us how much you would like to contribute each month, what date you would like to save until and provide us with your email address. We can then project your ISA value to to your specified target date.

How does the ISA transfer calculator work?

We use the transfer value and your future savings date to calculate what your ISA value might be in the future. The calculation accounts for fees, inflation, growth assumptions and the effect of compounding. For more information on the assumptions used please see the section on 'assumptions' specific to the ISA calculator.

What does the ISA transfer graph show?

The graph shows you how your ISA could grow over time based on the information you have provided us with.

What are the different ISA risk levels and when does this information appear?

We offer three different risk profile ISAs; cautious, balanced and adventurous. Once you have completed the ISA calculator, you can choose your investment risk profile.

Does the ISA transfer calculator take into account fees?

This ISA calculator assumes total annual fees of 0.63%. Depending on your risk level, you will pay between 0.52% and 0.68% in annual fees.

What do the risk levels mean?

On the ISA calculator, there are three different risk levels you can choose from.
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Cautious: This level is for people who prefer lower risk, with 77% of their money invested in safer investments.
Balanced: This level is for those comfortable with some risk, with 34% of their money in safe investments.
Adventurous: This level is for people seeking higher risk, with 100% of their money invested in riskier investments.

What does the 'include inflation' toggle mean?

This shows how inflation affects the future value of your investments. The larger number is your estimated investment value at retirement without considering inflation, while the smaller number (after inflation) shows what that amount would be worth in today's money. Accounting for inflation means your money effectively grows about 2.5% slower each year.