ISA calculator

See what your investment could be worth in future

Crunch the numbers on an ISA investment

Investing in a stocks and shares ISA could be a great way to reach your long term goals. Our calculator can help you see what it could be worth in future.

If you've got an amount in mind, you can also use it to see what you should be investing to get there, either as a lump sum or regular payments. With an Aviva Stocks & Shares ISA you can start with £500 or just £25 a month. Or pay in as much as you like, up to the £20,000 ISA allowance for the tax year 2024/2025.

Remember, the value of a stocks and shares ISA can go down as well as up, and you may get back less than you’ve paid in.

Your exact tax benefits will depend on your circumstances and may change in the future.

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Find out how much your ISA could be worth

Enter a lump sum, regular payment or both. Then just choose the length of your investment in years and the growth rate you’re aiming for.

Choose a growth rate

This is just an annual rate of growth used for the calculator. Your choice shouldn't be seen as an average and isn't guaranteed. Investment returns cannot be predicted and may be higher or lower than this. You can change the growth rate to see how a different level of investment return could affect the final amount.

In 0 years your ISA could be worth

£0

Depending on market performance, this could be higher or lower.

Your contributions

The amount above is just an estimate based on the growth you’ve chosen and is not guaranteed.

Warnings

How have we worked out your results?

We’ve made a few assumptions in this calculator which you should take a look at. It isn’t meant to give personal financial advice or recommendations. If you’re not sure if a stocks and shares ISA is right for you, think about chatting to a financial adviser. You can find one at Unbiased - there will be a charge for advice.

Assumptions

  • To get the tax benefit on the investment growth we’ve calculated, you’ll need to stay within your annual ISA allowance. Tax benefits are dependent on individual circumstances and are subject to change.
  • Growth rates are examples only – actual growth rates will depend on how your investments perform and could be higher or lower.
  • We haven’t included the effect of inflation, which will reduce the spending power of any money you get back.
  • Your results are based on you continuing the same monthly payments for the length of your investment.
Charges
  • We’ve included charges of 0.75% on your investments as an example.
    For a £10,000 investment that would mean a charge of £75 a year.
  • Actual charges may be higher or lower than that amount. They’ll depend on your investments and the providers you choose.

Why choose our Stocks & Shares ISA?

  • Invest your £20,000 allowance with a range of options to suit your experience and goals
  • With our flexible ISA you can withdraw money and pay it back in the same tax year
  • Easy online management and fair, transparent charges

Opening an ISA is quick and easy

Open an ISA Transfer an ISA

Understand ISAs

Our guides will help you make the most of your allowance.

How do ISAs work?

Our guide to how ISAs work, your annual allowance and the types of ISA to choose from.

What is a stocks and shares ISA?

A stocks & shares ISA has a tax efficient wrapper that is put around your investments, so investment growth earned within this ISA is tax-free.

Your guide to ISA allowances

ISA rules can be complicated, we'll help you understand them so you can make the most of your allowances.

Cash ISA versus stocks and shares ISA: which one is right for you?

Cash or stocks and shares? We can help you choose the best fit.

See all ISA guides