Regular Contribution Calculator
See how consistent, regular deposits — whether weekly, monthly, or quarterly — compound into significant wealth over time. This calculator shows clearly how much of your final balance comes from your own deposits versus compound returns.
Your contribution plan
The habit that builds wealth
Consistent, regular saving is one of the most reliable paths to financial security. Unlike trying to time investments or waiting for a big windfall, the regular contribution approach harnesses automation and discipline. Each deposit, no matter how small, starts compounding the moment it lands in your account.
This calculator helps you visualise exactly how your deposit habit translates into long-term wealth. The stacked bar chart shows how the interest component grows over time, eventually overtaking your own contributions.
Worked example: the £200/month saver
Starting from zero, saving £200 per month at 5% annual return over 20 years:
| Metric | Amount |
|---|---|
| Monthly deposit | £200 |
| Total deposited over 20 years | £48,000 |
| Interest earned through compounding | £33,400 |
| Final balance | £81,400 |
| Return on contributions | 70% |
After 20 years, you have earned more than £33,000 in interest — over two-thirds of what you deposited yourself. And had you continued for 30 years, the interest component would have grown to nearly £142,000 on £72,000 of deposits. Time amplifies every pound saved.
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