Change the amounts in the boxes below and the calculator will compare the potential returns of putting your money into a savings account (Savings growth column), compared to putting it into an investment fund (Investing growth column). 

Starting with a lump sum of
With monthly amounts of
With the aim of saving for

You'll have contributed

Saving growth
Investing growth
Potential high
No risk of loss
Potential low

Investing isn't suitable.

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The amounts shown are for illustrative purposes only, they are not guaranteed returns. The projected investment returns are based on a medium risk investment fund. Amounts for lower or higher risk investment funds will differ. As the figures show, investments can go down as well as up and you may get back less than the full amount you invested. Forecasts and past performance do not guarantee performance trends of future returns.

Next, take a look at your options


Whether you’re new to investing or have some experience, invest in a way that suits you


Our range of cash ISAs and stocks & shares ISAs are a tax-efficient way to save and invest your money


Whether you need access to your money or not, our savings accounts help you plan for the future

Please note that the amounts shown are for illustrative purposes only and not guaranteed returns. The projected returns are based on a medium-risk investment fund. Amounts for lower or higher-risk investment funds will differ.

The value of your investments can go up and down and you may get back less than what you originally invested. Please note that forecasts and past performance are not reliable indicators of future returns. 

Investments should be held for the medium-long term (5+ years) to give your money the best possible chance of growing. It’s a good idea to have other savings in place so if the market does fall, you won’t have to dip into your investments to cover an unexpected expense and can instead leave them to recover.

Saving growth
This is calculated based on our current eISA if you’re a 1|2|3 World or Santander Select customer.

Once you put in the amount you want to save, we then add interest based on how long you’d like it to stay in the account. We use our current interest rate to give you an idea. Interest will be paid tax free. The tax free rate is the rate of interest payable where interest is exempt from income tax.

Investing growth
To calculate the projected returns, we use a process that gives us alternative views of market trends by using the average growth rate of investments over a specific period of time. 

  • Potential high: Shows the expected return in strong investment conditions. 
  • Potential low: Shows the expected return in weak investment conditions. 
  • Realistic: Shows the return, which has a 50% chance of being better or worse than this (in other words, the median return).

All figures shown allow for the platform services fee, fund charges and asset allocation of a Santander fund, which is typical of the medium-risk category. Please bear in mind that we’ve not accounted for any potential tax that could be payable on any returns. 

Please remember that inflation will reduce the spending power of any money you get back. 

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