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

Put in your amounts and a timeframe to compare saving with investing

Investing growth
Potential high
No risk of loss
Potential low

Investing isn't suitable.

Tell me why

Put in your amounts and a timeframe to compare saving with investing

Reset the calculator

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

Next, take a look at your options


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

Savings and ISAs

Our range of savings accounts and cash ISAs can help you plan for your future

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 based on our current Easy Access ISA interest rate.

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 have selected the annualised rates that apply for the term with the highest potential for loss, based on latest market trends. This does not represent a guarantee of the performance for the potential low, realistic or high returns.

  • 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.

Was this helpful?