Lump sum only balance
£288,548
£50,000 contributed · £238,548 modelled difference
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Compare three user-defined investment contribution schedules using the same time horizon and explicit assumptions.
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Range: 0–1000000 £.
Range: 0–100000 £/month.
Range: -100–100 %/year.
Range: 0–100 %/year.
Range: 0–1000000 £.
Range: 0–100000 £/month.
Range: -100–100 %/year.
Range: 0–100 %/year.
Range: 0–1000000 £.
Range: 0–100000 £/month.
Range: -100–100 %/year.
Range: 0–100 %/year.
Share links include all three schedules, contribution amounts and return assumptions. The link is not encrypted.
Same 20-year horizon. Each line uses that scenario’s dated contributions and assumptions; values are nominal and before fees, inflation and tax.
Annual balance by scenario (£; rounded to whole pounds)
| Year | Lump sum only | Monthly investing | Mixed schedule |
|---|---|---|---|
| Year 1 | £54,580 | £6,294 | £30,437 |
| Year 2 | £59,579 | £13,164 | £36,372 |
| Year 3 | £65,037 | £20,663 | £42,850 |
| Year 4 | £70,994 | £28,850 | £49,922 |
| Year 5 | £77,497 | £37,786 | £57,641 |
| Year 6 | £84,595 | £47,541 | £66,068 |
| Year 7 | £92,344 | £58,189 | £75,266 |
| Year 8 | £100,802 | £69,813 | £85,307 |
| Year 9 | £110,035 | £82,501 | £96,268 |
| Year 10 | £120,114 | £96,352 | £108,233 |
| Year 11 | £131,116 | £111,471 | £121,294 |
| Year 12 | £143,126 | £127,975 | £135,551 |
| Year 13 | £156,236 | £145,991 | £151,114 |
| Year 14 | £170,547 | £165,657 | £168,102 |
| Year 15 | £186,169 | £187,125 | £186,647 |
| Year 16 | £203,221 | £210,558 | £206,890 |
| Year 17 | £221,836 | £236,139 | £228,987 |
| Year 18 | £242,155 | £264,062 | £253,109 |
| Year 19 | £264,336 | £294,543 | £279,440 |
| Year 20 | £288,548 | £327,816 | £308,182 |
Grey bars show cash contributed; scenario colours show each modelled ending balance. Different contribution amounts stay visible, and the gap is modelled growth, not strategy outperformance or a forecast.
Contribution and ending-value comparison (£; rounded to whole pounds)
| Scenario | Total contributed | Ending balance | Modelled difference |
|---|---|---|---|
| Lump sum only | £50,000 | £288,548 | £238,548 |
| Monthly investing | £120,000 | £327,816 | £207,816 |
| Mixed schedule | £85,000 | £308,182 | £223,182 |
Recalculates each contribution schedule at nearby annual price-growth rates around scenario 1’s 7% assumption; dividend yield stays at each scenario’s entered value.
Growth sensitivity (£; rounded to whole pounds)
| Annual price growth | Lump sum only | Monthly investing | Mixed schedule |
|---|---|---|---|
| 5% | £197,847 | £258,712 | £228,279 |
| 7% | £288,548 | £327,816 | £308,182 |
| 9% | £417,901 | £417,702 | £417,801 |
Compare three user-defined contribution schedules over a shared time horizon using nominal return assumptions.
For each schedule, enter an upfront amount, monthly contribution, annual price-growth assumption and dividend yield. All three use one shared horizon; because their contribution totals can differ, compare cash contributed as well as ending balance.
The model adds each monthly contribution at the start of the month, converts the effective annual price-growth assumption to an equivalent monthly rate, and reinvests the entered dividend yield. It omits inflation, fees, changing returns, market volatility and tax. These are scenarios, not forecasts, advice or a recommendation.
These official resources explain UK investment risk, charges and tax wrappers. This calculator projects gross scenarios and does not calculate tax or compare specific products.