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Model a deterministic nominal investment scenario for 2026/27. Returns and the optional single-disposal CGT illustration are assumptions, not forecasts or a personal tax result.
Enter £0 to £1,000,000.
Enter £0 to £100,000 per month.
Enter 1 to 100 whole years.
Enter −100% to 100% per year.
Enter 0% to 100% per year.
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Annual ending balance and cumulative contributions from the same smooth-growth assumptions; excludes tax, fees and inflation.
Annual projection ledger (£, rounded to whole pounds)
| Measure | Ending portfolio value | Contributions to date | Gross dividends this year | Price-growth gain this year |
|---|---|---|---|---|
| Year 1 | £17,210 | £16,000 | £277 | £933 |
| Year 2 | £25,080 | £22,000 | £428 | £1,442 |
| Year 3 | £33,671 | £28,000 | £592 | £1,999 |
| Year 4 | £43,049 | £34,000 | £772 | £2,605 |
| Year 5 | £53,285 | £40,000 | £969 | £3,268 |
| Year 6 | £64,460 | £46,000 | £1,183 | £3,991 |
| Year 7 | £76,658 | £52,000 | £1,417 | £4,781 |
| Year 8 | £89,973 | £58,000 | £1,673 | £5,643 |
| Year 9 | £104,508 | £64,000 | £1,952 | £6,583 |
| Year 10 | £120,375 | £70,000 | £2,256 | £7,610 |
Price-growth gain excludes new contributions and dividends; dividend bars are gross modelled payments. Negative growth is shown below zero.
Annual price-growth and gross dividends (£)
| Measure | Price-growth gain | Gross dividends |
|---|---|---|
| Year 1 | £933 | £277 |
| Year 2 | £1,442 | £428 |
| Year 3 | £1,999 | £592 |
| Year 4 | £2,605 | £772 |
| Year 5 | £3,268 | £969 |
| Year 6 | £3,991 | £1,183 |
| Year 7 | £4,781 | £1,417 |
| Year 8 | £5,643 | £1,673 |
| Year 9 | £6,583 | £1,952 |
| Year 10 | £7,610 | £2,256 |
Only the selected annual price-growth assumption changes; dividend yield, contribution schedule and horizon stay fixed. Values are gross and nominal.
Sensitivity outcomes (£, rounded to whole pounds)
| Measure | Gross total value | Total contributions | Gross ROI |
|---|---|---|---|
| 5% annual price growth | £106,441 | £70,000 | 52.06% |
| 7% annual price growth | £120,375 | £70,000 | 71.96% |
| 9% annual price growth | £136,260 | £70,000 | 94.66% |
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Check wrapper eligibility and remaining ISA allowance with GOV.UK; this projection does not determine eligibility or compare wrapper tax treatment.
Explore deterministic, nominal portfolio scenarios using an effective annual price-growth assumption, monthly contributions and a fixed dividend yield. An optional selected-rate CGT illustration shows one assumed taxable-account disposal under 2026/27 rules; no personal tax liability is calculated.
Enter an initial lump sum, monthly contributions at the start of each model month, a whole-year horizon, an effective annual price-growth assumption, dividend yield and reinvestment choice. The model assumes smooth equivalent monthly growth and does not include volatility, fees, inflation, dealing dates or future tax changes. Dividend tax assumes no other dividend income and a full £500 allowance under the same current rates each projected year. The optional CGT view assumes one taxable GIA holder, one disposal in 2026/27, a selected CGT rate and the full £3,000 annual exempt amount; it excludes other gains, losses, costs and reliefs. Dividend tax is reported separately and not deducted from the projected value. These scenarios are not forecasts, tax advice, or a recommendation.
These official sources support the stated UK tax assumptions. This page does not determine your tax liability, ISA eligibility or investment suitability.